Credit Score provides your latest credit score and report, and helps you understand key factors that impact those scores. It also monitors your credit daily and informs you by email if any significant changes are detected. It will inform you if an inquiry has been reported, and if there are changes in address, employment, delinquency, or if a new account was opened.

Any member that has a Digital Banking account with a Social Security number and who is 18 or older can enroll in the service. There is no specific product requirement.

Credit Score is entirely free to USF Credit Union members.

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.

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.

Three major credit-reporting bureaus (Experian, Equifax, and TransUnion) and two scoring models (FICO or 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.

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 annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every USF Credit Union Credit Score user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score. TransUnion will share this with the other bureaus if the inaccuracy is verified.

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

While USF Credit Union may use information from Credit Score to determine prequalification opportunities for certain credit products, USF Credit Union does not use Credit Score for making loans, but instead uses its own lending criteria (i.e., FICO® Score and other attributes) to determine loan application decisions.