Applicants must have a minimum credit score of 680, as reported by a consumer reporting agency. 

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 Central Pacific Bank 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