Building and Understanding Your Credit Score

At CCB, we’ve been part of your community since 1902—so we know that financial wellness isn’t just about numbers, it’s about people. Whether you’re buying your first home in Randolph, upgrading your car in Little Valley, or making plans for your future in Dunkirk, your credit score plays a big role in what you can do.

That’s why we’re here to help you understand your credit score—and more importantly, to help you build it the right way. Because at CCB, this is Where Community Counts.

So, What Is a Credit Score?

Think of your credit score like a financial report card. It’s a three-digit number, usually between 300 and 850, that lenders use to help determine if you’re likely to repay borrowed money. It’s based on things like:

  • Your payment history – do you pay bills on time?
  • Credit utilization – how much of your available credit you’re using
  • Length of credit history – how long you’ve had credit
  • Types of credit – a mix of cards, loans, etc.
  • New credit inquiries – how often you apply for new credit

A higher score means better chances at loan approvals—and at lower interest rates.

Why It Matters Here at Home

Whether you’re applying for a mortgage in Lakewood, trying to rent in Springville, or working toward your financial goals in Salamanca, your credit score affects your ability to move forward. A strong score can:

  • Help you qualify for loans and credit cards
  • Help  potentially secure better rates and terms
  • Make it easier to rent or even apply for certain jobs

Local Tips to Build Your Credit

If you’re just getting started—or looking to improve your score—here are a few CCB-approved tips:

  1. Always pay on time
    Payment history is the biggest factor. Set reminders or use auto-pay features to stay on schedule.
  2. Keep balances low
    Try not to use more than 30% of your available credit.
  3. Don’t open too many accounts too quickly
    Space out applications and only apply for credit when you really need it.
  4. Review your credit reports regularly
    Mistakes can hurt your score. You’re entitled to a free credit report from each major bureau once a year.

CCB Is Here to Help

We’ve been locally owned and operated since 1902, and our team lives and works in the same communities we serve. From Randolph to Little Valley, South Dayton to Salamanca, and across our other branches in Springville, Lakewood, and Dunkirk—we’re here for you.

Here’s how we can help:

  • Credit-Building Products
    Our CCB Advantage Checking and CCB Advantage Savings accounts offer features to help you manage your money wisely and build good habits.
  • Lending Guidance
    Whether you’re applying for a credit card or your first loan, we’ll help you make smart, informed decisions that support your credit goals.
  • One-on-One Support
    Sit down with a real person who knows your name and your community. We’ll walk you through your credit report, answer questions, and help you build a plan.
  • Resources You Can Count On
    Explore www.countonccb.com for helpful financial education tools, calculators, and more.

Come Talk to Us Today

Credit can be confusing, but you don’t have to figure it out alone. Stop by your local CCB branch and speak with someone who understands your goals—and your neighborhood.

We’re proud to serve our friends and neighbors in Randolph, Little Valley, Salamanca, Springville, Lakewood, South Dayton, and Dunkirk and their surrounding communities. No matter which branch you visit, you’ll find friendly faces and the trusted support of a bank that’s been serving Western New York for more than 120 years.

Because at CCB, this is, and always will be, ”Where Community Counts.”