Your Credit Score.
And More.

Yes! Credit Score is a free service available in Online Banking and Mobile.

No! Checking credit scores on Credit Score is a “soft inquiry” that does not affect credit score.

1. Log into the ACFCU Mobile App or Online Banking.
2. Select the Financial Wellness icon.
3. Select Credit Score.
4. Sign up and enjoy access to your credit score, credit reports, financial education, and more.

Vantage 3.0

Please note that Vantage Score and FICO scores may be different and may result in different credit tiers/rates.

TransUnion

To enroll, you first must be logged in to our secure online banking or mobile platform. Your credit information is never shared with third parties.

Yes. Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions/lenders use different bureaus, as well as scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.

Credit Score by SavvyMoney^® is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.

Credit monitoring tools like Credit Score use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.

No scoring models are identical but are directionally the same. If your score goes up based on your credit activity in Credit Score, you might see an increase in the scores we pull for loan applications as well.

If you find incorrect information in your credit report, contact the company that issued the account or the credit reporting company that issued the report.

There is also more information on how to resolve these types of issues in the FAQ section under Resources.

Yes! On the Credit Report page, click “Download Report” in the top right corner.

If you do not log in to online or mobile banking for 120 days, your Credit Score will go inactive, and you will be unenrolled. To re-enroll, follow the normal enrollment procedures to regain access to your profile information.

Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through online or mobile banking.

You can receive credit alerts, monthly notices, and general messages from Credit Score.

Yes. You can manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings”, and changing their preferences under Email Notifications. You can also change your subscription settings at the bottom of emails you receive.

SavvyMoney^® will answer general questions related to credit scores and their site. Any specific credit union questions will be redirected to our Digital Banking team.