Skip to main content

Credit Score & More

Keep tabs on your credit health with ongoing score updates.

Your credit score: more than just a number

Understanding how your actions affect your credit score puts you in control.

A credit score is a number between 300 and 850 that reflects your overall creditworthiness. But it’s more than a score, it’s a tool used by lenders, landlords, insurance companies, and even utility providers to help determine eligibility, rates, and terms.

In general, the higher your score, the more opportunities — and better rates — you may qualify for.

Your score is just the start.

Track it. Improve it. Own it.

Credit Union of Denver understands the importance of having good credit, and one of the ways we’re here to help our members succeed is by offering Credit Score & More – a free credit score management tool available within Digital Banking.

With this tool you’ll be able to:

  • View your current credit score (VantageScore®)* 
  • Review your credit report snapshot
  • Simulate Your Credit Score – see how taking certain actions could impact your score 
  • Dispute your report through TransUnion 
  • Compare rates and look for opportunities to save money
  • Monitor changes to your report by Opting-in and receive email alerts regarding:
    • Credit score updates
    • Credit ID alerts & notifications
    • Outdated/inactive score info

Know where you stand — and where you’re headed

Credit Score & More also includes helpful articles and videos powered by SavvyMoney, giving you guidance on:

  • Building or rebuilding credit
  • Understanding what impacts your score
  • Reducing debt and improving financial habits

Whether you’re just getting started or working toward your next goal, these insights help you move forward with confidence.

No impact on your credit score*

When you check your credit through Credit Score & More, it uses a soft credit pull, which does not affect your score.
This is different from applying for a loan or credit card, which results in a hard inquiry and may temporarily impact your score.

Helpful tip: Multiple hard inquiries in a short period of time can have a greater effect on your credit score, another reason to stay informed before you apply.

Download our Digital Banking app to start using Credit Score & More today!

Download on the App Store Get it on Google Play

 Questions? We’re here to help.

Explore the Credit Score & More FAQs, or reach out to our team anytime.

📞 303.234.1700 | 800.279.3288

View All

Credit Score & More is a comprehensive credit score program offered within Credit Union of Denver's Digital Banking to help you stay on top of your credit.

You get your latest credit score and report, an understanding of key factors that impact the score. Credit Score also monitors your credit report daily and can communicate to you if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made.

You can access your TransUnion Vantage Score from the “Credit Score & More” option in Digital Banking.

No. Credit Score & More is a free benefit and no credit card information is required to register.

As long as you can access Digital Banking, your credit score will be updated every month and displayed.

Since this is considered a soft pull, and therefore will not affect your credit score, you can click “refresh score” as frequently as every day. Log into Digital Banking and select refresh where is lists Credit Score & More.

There are three major credit-reporting bureaus - Equifax, Experian, and Transunion - and two scoring models - FICO or Vantage Score - that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad is Below 500.

They use bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

The Credit Score & More, powered by Savvy Money, makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage every user to “File a Dispute” by clicking on the “Dispute” link within the Credit Report which is housed in Credit Score & More. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Yes. This service will monitor and send an email alert when there has been a change to your credit profile.

Disclosures

* Credit scores are based on VantageScore®, which may differ from other credit scoring models. Checking your score through Credit Score & More does not affect your credit.