Your credit score. And more.
Staying on top of your credit has never been easier. We've partnered with Credit Score to offer you a powerful tool that allows you to access your credit score, full credit report, credit monitoring, financial tips, and education, all from online and mobile banking. Best of all? You can do this anytime and anywhere - for free.
Benefits of Credit Score:
- Daily access to your credit score
- Real-time credit monitoring alerts
- Credit Score Simulator
- Personalized credit report
- Special credit offers
- And more!
Access Credit Score in our mobile app and online banking.
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Frequently Asked Questions
What is Credit Score?
Credit Score helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Does Credit Score offer Credit Monitoring as well?
Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score?
Credit Score is entirely free to 1st MidAmerica Credit Union members.
Will accessing Credit Score “ding” my credit and potentially lower my credit score?
Credit Score is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
How often is the credit score updated?
The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score does its best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every 1st MidAmerica Credit Union Credit Score user can “File a Dispute” with Transunion by clicking the “Start a Dispute” link within Credit Score. Transunion will share this with the other bureaus if the inaccuracy is verified.
Will 1st MidAmerica use Credit Score to make loan decisions?
1st MidAmerica uses its own lending criteria for making loan decisions.
