Applicants with Red Rocks Credit Union must meet the minimum credit underwriting requirements then in effect:

• At the time they are offered credit:

• To the extent the applicant has a credit score, the applicant has a score of 550 or above on at least one of the consumer reports received in connection with their application, or insufficient history to generate a credit score on each consumer report;

• Meets the minimum debt to income requirement that total monthly debt payments listed each of the consumer’s credit report(s) not including rent or mortgage must not exceed 50% of projected pre-tax income except that such requirement will not apply to applicants that have been accepted to one of our partner institutions that provides vocational training.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding.  For more information about material adverse changes, please see here.  

Additionally, the credit score Red Rocks Credit Union receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.