Applicants must have a minimum credit score of 580, as reported by a consumer reporting agency. Note that we do accept applicants with insufficient credit history to produce a credit score.

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 click here.  

We also check to see how much debt you have relative to the income you receive.

Additionally, the credit score First Federal Bank of Kansas City receives may be different from the one reported by your credit monitoring services if a credit monitoring service reports a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact TransUnion and/or Equifax: 

Name: TransUnion


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


Phone number: 1 (800) 916-8800

Name: Equifax Information Services LLC


Address: P.O. Box 740256, Atlanta, GA 30374-0256


Phone number: 1 (866) 349-5191