Your Credit Score. And More.

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score - and for free - in our mobile app and online banking.

Staying on top of your credit has never been easier.

Access your credit score and report in our mobile app and online banking.
ANYTIME and ANYWHERE and for FREE.

Benefits of Credit Score:

Daily Access to your Credit Score
Real-Time Credit Monitoring Alerts
Personalized Credit Report
Credit Score Simulator
Special Credit Offers
And More!

See how it works:

Get started:

It's easy to get started. So enroll now. Simply login to mobile banking or online banking! Credit Score is available on your Accounts home screen in online banking and under the More menu in your Point Breeze Credit Union mobile app.

CREDIT SCORE FAQs

What is Credit Score?

Credit Score helps you stay on top of your credit by providing your latest credit score and report and helping you understand key factors that impact your 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, or a change in address, employment, delinquency, or inquiry has been been reported.

Is there a fee for Credit Score?

Credit Score is entirely FREE for Point Breeze online and mobile banking users. Simply login to get started.

Will accessing Credit Score "ding" my credit and potentially lower my credit score?

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.

How often is my credit score updated in Credit Score?

Your credit score will be updated every seven days and displayed in online and mobile banking. You can click "refresh score" as often as every day for an updated credit score.

What if the information provided by Credit Score appears to be wrong or inaccurate?

Credit Score attempts 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 own process for correcting inaccurate information, but every Point Breeze 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.

Why do credit scores differ?

Three major credit reporting bureaus (Equifax, Experian, 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.

Will Point Breeze Credit Union use Credit Score to make loan decisions?

Point Breeze uses its own lending criteria for making loan decisions. The Credit Score service is provided to help you understand the factors that affect your credit score, and ways you may be able to save money with Point Breeze Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information you provide to the credit union when you apply for a loan.

The credit score provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with Point Breeze Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The offers presented are not offers to lend. Offers, terms and conditions are subject to change at any time. See more FAQs here.