Credit Score and More
Anytime. Anywhere.
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 sourced by VantageScore®. Access your credit score anytime, anywhere, for free.
Benefits of Credit Score and More1:
- Daily access to your credit score.
- Real-time credit monitoring alerts.
- Credit score simulator.
- Personalized credit report.
- Special credit offers.
- And more.
It is time to take control of your credit score. Click the link below to log into your digital banking. Then, enroll now by clicking "enroll" on the widget in digital banking!
Download the App Today!
Frequently Asked Questions
What is Credit Score and More?
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 inquiry has been reported.
Does Credit Score and More offer Credit Monitoring as well?
Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score and More?
Credit Score and More is entirely free to Indiana Members Credit Union members.
Will accessing Credit Score and More “ding” my credit and potentially lower my credit score?
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
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.
What if the information provided by Credit Score and More appears to be wrong or inaccurate?
Credit Score and More makes it 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 Credit Score and More user 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.
What is VantageScore®?
VantageScore® was developed by a representative team of statisticians, analysts, and credit data experts from each of the top three credit reporting agencies - Equifax, Experian, and TransUnion, as an alternative to FICO scores. VantageScore® is used by hundreds of financial institutions, including credit unions, banks, credit card issuers, mortgage lenders, and SavvyMoney. The VantageScore® 4.0, the score displayed in SavvyMoney, is the newest version of VantageScore®. It is calculated on a scale of 300-850, with 300 being the lowest and 850 the highest score.
1Membership savings required. The credit score is provided for educational purposes only and may differ from the score used by lenders when making credit decisions.
2Special offers are available to members who meet prescreening criteria based on the VantageScore®. Offer could be subject to additional verification and credit approval requirements.