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Credit Score

Access your credit score and report in our mobile app and online banking.
Anytime, anywhere, for free!


Daily Access to your Credit Score

Real-Time Credit Monitoring Alerts

Personalized Credit Report

Credit Score Simulator

Special Credit Offers

And More!

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.

Get Started:

It's easy to get started by enrolling 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.

See how it works: 

Frequently asked questions

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.

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

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.

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.

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 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.

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.

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.