A credit score is a number between 300–850 that depicts your “creditworthiness.” Your score is more than just a number. It’s a tool for lenders, rental and insurance agents, utility companies, etc., to determine your eligibility and rates. The higher the score, the better you look to potential lenders.
Unlock Financial Insights:
Financial Checkup offers a complete view of your financial health, covering spending details, cash flow, and analyses and debt-to-income ratios. Our Credit Score solution is more than a tool; it’s your secret weapon for effective financial management.
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 Online Banking and Mobile Banking.
Within this tool you’ll be able to:
- View your current credit score (TransUnion Vantage Score)*
- Review your entire credit bureau report
- 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- Outdated/inactive score info
Additionally, Credit Score & More contains helpful articles and videos powered by SavvyMoney. Gain insight on establishing or rebuilding your credit, understanding your score, and methods of reducing debt.
*When viewing your credit score, Credit Score & More does what is referred to as a “soft credit pull”, which will not affect your score. Unlike when you apply for loans or have creditors pull your credit, those actions are recorded as a “hard pull” which will impact your score. Tip: if you have too many inquiries in a short timeframe, the greater the impact on your score.
Questions? Check out our FAQ or give us a call:
303.234.1700 | 800.279.3288
Credit Score & More FAQs
Yes. You can access your TransUnion Vantage Score from the “Credit Score & More” option in online or mobile banking.
Credit Score & More is a comprehensive credit score program offered by Credit Union of Denver 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.
No. Credit Score & More is a free benefit and no credit card information is required to register.
As long as you are an online banking user, your credit score will be updated every month and displayed within online banking.
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 Online 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.
Yes, Credit Score & More is available for both mobile and tablet devices and is integrated inside our mobile application.