Check Your Credit Score Daily

You can check your credit score each time you log into your mobile or online banking! Credit Score is a free service offered by Minnco Credit Union, powered by SavvyMoney®. With one click, you can check your credit score, view your credit report, and get up-to-date credit monitoring notifications. You can also find out what affects your score, how you can save money, and how to improve your score or rebuild your credit. It’s just one more way that Minnco provides you with the tools to manage your finances.

Credit Score Allows You To:
  • Check your credit score daily
  • Monitor credit for unusual activity
  • Get alerts for changes to your credit
  • View your full credit report
  • Dispute items on your credit report
  • Get tips on rebuilding credit & saving money
  • Get instant offers based on your credit

Benefits of Credit Score

Stay up-to-date without affecting your credit.
M
any people worry that by checking their credit score too much they will see their score drop. Actually, using Credit Score to check your score is what is known as 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.

Monitor your credit to prevent fraud and identity theft.
Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, if a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Common sense tools for managing your credit.
Based on your Credit Score information, you may receive helpful articles and product offers from Minnco Credit Union. The articles, written by Jean Chatzky and the SavvyMoney team, provide helpful tips on how you can manage credit and debt wisely. The product offerings may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. Our goal is to empower you with the information to make the most out of your money.

 

Frequently Asked Questions

Q: Is there a fee for viewing my Credit Score?
A: 
No. It's FREE!

Q: Will viewing my Credit Score impact my credit score?
A: 
No. Credit Score does a "soft pull" vs a "hard pull" to display your credit information so it does not impact your score.

Q: Why doesn't my Minnco credit card show up in the credit report?
A: We are hoping this is a temporary glitch. We are working to get this fixed.

Q: Where do I find Credit Score in MinncoMobile?
A: Once logged in to MinncoMobile, click on MORE to find Credit Score listed in the menu options.