What is a credit score and how will my credit score affect my application?
A credit score is one of the pieces of information that we’ll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.
Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.
Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.
Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won’t be paid as agreed.
Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a customer.
What is the Credit Union routing number?
How do I send a wire transfer to a member of your Credit Union?
Transfer funds to: Vizo Financial Corporate Credit Union, 1201 Fulling Mill Road, Middletown, PA, 17057, R & T #2313-8755-0
For further credit to: Argent Credit Union, P.O. Box 72, Chesterfield, VA. 23832-0001 – R & T #2510-8223-3
For final credit to: Member’s Full Name, Complete Address and Account Number
Please remember to specify which account the funds are to be deposited in.
How do I send a wire transfer?
For wire transfer information, please contact our Call Center at 804.748.9488, option 2 or 1.800.943.3328, option 2. A Call Center representative will be glad to assist you.
Where are the theme park ticket prices on the website?
Ticket prices are not displayed on our website. Discounted Theme Park tickets are located in Online Banking, under Additional Services. There you will find the prices.
How do I change my Online Banking password?
Select the “Forgot/Reset Password” or “I can’t access my account”. Simply follow the prompts to reset either your username and/or password. If you need further assistance contact Member Services at 804.748.9488, option 2 or 1.800.943.3328, option 2 or visit one of our five member center locations.
How do I order a new Debit Card?
To order a Debit Card, visit one of our Member Centers, by calling us at 804.748.9488 or 1.800.943.3328 or by simply sending a secure message through Online Banking.
Can I open a checking account online?
If you already have a membership account with Argent, you can open a checking account through your Online Banking session. It’s quick and easy!
If you don’t already have access to your Argent accounts online, simply select “Registration” at the Online Banking Login prompt on our home page. Please call us at 804.748.9488, option 2 if assistance is needed.
If you don’t already have a membership account, Click Here to get started today!
How do I register my VISA® Gift Card?
How do I change the PIN on my Debit Card?
By calling 1-800-992-3808 you can change your PIN through an automated IVR (Interactive Voice Response) system. You must enter your current PIN and be authenticated in order to change it to your new PIN of choice. In addition, you can change your PIN at any Argent ATM. Again, you must enter your current PIN and be authenticated in order to make the change.
How can I submit a change of address?
Simply log into Online Banking and click the My Settings button at the top of the page to change your address. You can also call us at 804.748.9488, option 2 for help over the phone.
Do you offer notary services?
Yes, the credit union does offer free notary services at each of our Member Centers.
When making a purchase from my Credit Union account online (i.e. PayPal), what number do I use to ensure it comes from the checking account and not the savings account?
When using your account number for ACH (Automated Clearing House) items, for debits or credits, the MICR line from your current checks needs to be used. If you do not have checks you can simply log into Online Banking, click on the checking account to obtain the history, then click on Account Details. The area will expand showing the ACH number. Most merchants require an option of savings or checking to be selected; ensure checking is selected.
If further assistance is needed contact Member Services at 804.748.9488, option 2.
What is the daily maximum withdrawal from an ATM?
What size safe deposit boxes do you have?
3″ X 5″
3″ X 10″
5″ X 10″
10″ X 10″
Please call 804.748.9488, option 2 for Safe Deposit Box pricing and availability.