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Access a suite of free credit monitoring tools from FCCU digital banking!

Key Features

  • Free Credit Report
  • Daily Score
  • Credit Monitoring
  • Credit Alerts

Credit Score & More is a comprehensive credit monitoring program, provided by SavvyMoney, to all FCCU members to stay on top of your credit and identify early warning signs of identity theft.

  • View your VantageScore 4.0 Credit Score and what factors into it such as payment history, credit usage, inquiries, etc.
  • Review your Credit Report any time and start a dispute if you notice anything shady
  • Set up Email Alerts for any changes or updates made to your credit score or report; unauthorized changes can be an early warning sign of identity theft!
  • Use the Score Simulator to see how taking certain actions would affect your credit score
  • Review custom Loan Offers from FCCU and estimate your rate and monthly payments
  • And more!

Frequently Asked Questions

  1. Log in to FCCU Digital Banking (online or mobile).
  2. Click the More menu option.
  3. Click the Credit Score button.
  4. From there, follow the enrollment prompts!

After enrolling, you can access Credit Score & More from 1) the More menu or 2) from your account dashboard using the credit score widget.

No. Credit Score & More is entirely free for FCCU members, and no credit card information is required to register!

Credit Score & More pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 4.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No. Checking your credit score in Credit Score & More is a "soft inquiry", which does not affect your credit score. Lenders use 'hard inquiries' to make decisions about your credit worthiness when you apply for loans.

The Credit Score & More tool makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from AnnualCreditReport.com, and then pursuing action with each bureau individually.

Each bureau has its own process for correcting inaccurate information, but every user can file a dispute within Credit Score & More by clicking on the Dispute button on the Credit Report page. However, the Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

If your score shown in Credit Score & More is different than the scores we get from the credit bureaus, simply print out your score and let us know. We will review your information and determine if there is a better offer we can provide you.

Learn more about how reviewing your credit report can help you identity early warning signs for identity theft!