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YOUR CREDIT SCORE. AND MORE.

Staying on top of your credit has never been easier. With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education. All of this, without impacting your credit score all for FREE anytime, anywhere.

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Benefits of Credit Score and More:

  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers
  • And More!

The benefits are endless, so there is no need to wait to start monitoring it today!

CREDIT SCORE AND MORE FREQUENTLY ASKED QUESTIONS

Below we have included answers about understanding your credit score and what it means.

If you have additional questions about how to access your Credit Score or how to better understand it before applying for a loan, give us a call at 877-769-4766 or stop into one of our branches today. We’re here to help you make the most of your financial life!

Credit Score and More 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 an inquiry has been reported.

Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Credit Score and More is entirely free to Ironworkers USA Credit Union members.

Credit Score and More 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.

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.

Credit Score and More does its best to show you 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 Ironworkers USA Credit Union member can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

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 score model is identical.

Ironworkers USA Credit Union uses its own lending criteria for making loan decisions.

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