A person standing and holding a tablet in his hands Josh, Affinity Plus Member

Your Credit Score. The more you know.

Curious about your credit rating? Just log in to the mobile app or online banking for easy access to your credit score, credit report and credit monitoring. All for free.

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What you get for free

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Your Credit Score

This number gives you a quick snapshot of your credit health.

  • Updates every month automatically, but you can refresh it daily
  • Scored by VantageScore 3.0, a model developed by Equifax, Experian and TransUnion
  • Credit profile is pulled from TransUnion, 1 of the 3 major credit reporting bureaus
  • Considers up to 200+ factors from your credit report
  • Checking this won’t affect your credit score (it’s a “soft inquiry”)

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Your Full Credit Report

Your free credit report contains everything you'd find on your credit file.

  • Open Loans
  • Open accounts
  • Open credit inquiries
  • Payment history
  • Credit Utilization
  • Public records

And checking this won't affect your credit score (it's a "soft inquiry").

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Daily Credit Monitoring

Meant to help you spot potential fraud and/or identity theft attempts, this free credit monitoring service checks your credit report daily.

You’ll get an email when the system detects any of these events related to your identity:

  • New accounts opened
  • Address changes
  • Employment changes
  • Delinquencies reported
  • Credit inquiries made
A representation of action items to take to improve credit

Helpful Tips

You’ll learn what affects your credit score positively and negatively, so you’ll know how to keep a great credit rating – or build your way up to one. And you’ll get loads of smart tips on managing your debt and overall financial wellness.

Want more details?

Credit Score

Credit Report & Disputes

Credit Monitoring

Soft vs. Hard Inquiries

Information Security

Developed collaboratively by Equifax, Experian and TransUnion, this VantageScore 3.0 credit scoring model seeks to make the information more uniform between the 3 major credit reporting bureaus.

Some financial institutions use the other scoring model (FICO), and each model might weigh some of the 200 factors differently. But no matter which credit scoring model or credit bureau is used, people’s credit ratings fall into these ranges:

  • Excellent: 781 – 850
  • Good: 661 – 780
  • Fair: 601 – 660
  • Unfavorable: 501 – 600
  • Bad: 500 or below

If you ever think there’s a mistake in your report, there are a few things you can do:

  1. Take advantage of free credit reports from www.annualcreditreport.com
  2. Follow up with each credit bureau individually, because they each have their own process for correcting mistakes
  3. Go to the Federal Trade Commission’s site for info about correcting errors

This free service is meant to help you spot potential fraud and/or identity theft attempts. Your credit report is monitored daily, and if any big changes are detected, the system alerts you with an email.

If your email address ever changes, you just need to update it in online banking or the mobile app.

Unlike some credit checks that might impact your credit score, using this free credit won’t. That’s because this considered a “soft inquiry.” Lenders use a “hard inquiry” to make decisions about your credit worthiness when you apply for loans.

Bank-level encryption and other security measures are used to keep your data safe and secure. This service never shares your personal information with third parties.