Check Your Credit for Free

Checking your credit and getting your credit score has never been easier! Access My Credit, powered by SavvyMoney, when you log into your mobile or online banking account. Maintaining healthy credit is important to financial wellness, so we’re offering this service free to Money FCU members.

Free Credit Monitoring with My Credit

  • Get your credit score, full credit report, credit monitoring, and alerts for FREE

  • Check your credit score daily (once every 24 hours) — they’re soft inquiries so your score won’t be negatively affected by using My Credit

  • Use the Score Simulator to predict how your score would change if you took certain actions like opening another credit card or paying off a loan

  • No extra apps to install or logins to remember — access your credit score, report, and more from My Credit within your online banking and mobile app

  • How to Enroll

    In the mobile app: From the hamburger menu (the three lines), click “My Credit Score & Report”

    In our full online banking site (logging in from a computer): Look for the credit score box on the Accounts page and click “Show My Score”

Access My Credit in Online Banking
A laptop, tablet, and phone showing a credit report and score

Need Help With Poor Credit?

We offer free financial coaching for those who just need a little extra help. Our coaches take a full-service, hands-on approach to each member without judgment. Most importantly, we don’t try to sell you a product or service you don’t need. Our coaches don’t make commission, they only offer advice and financial literacy. We are real people who have experienced the same things you have. Life happens, and we understand that. No fees, no tricks, no gimmicks. A Money FCU financial coach works for you, just like your credit union does.

What can our coaches do?

  • Help you make a budget by comparing income to expenses

  • Make a plan to raise your credit score by examining areas to improve upon

  • Reorganize and consolidate debt so you pay it off sooner

Learn More About Financial Coaching

Frequently Asked Questions about My Credit

Yes! My Credit is entirely free. No payment information is required to register. You can check your credit score once every 24 hours by clicking “Refresh Score” in the My Credit section of online or mobile banking. Your updated full credit report is available monthly.

Credit scores can be tricky. There are three credit reporting agencies, Experian, Equifax, and TransUnion, and it’s possible to have a different score with each bureau. My Credit uses your TransUnion report and score. When you apply for a loan with Money FCU, we pull your Experian credit report. However, your financial wellness is always our priority, so if your My Credit score gets you a lower loan interest rate, we will use that.

The three national credit reporting agencies (TransUnion, Equifax, and Experian) receive and manage data reported from over 13,000 different sources. Given this incredible amount of data provided by lenders to the agencies, there are times when the information reported about your credit may be incorrect.

What should you look for?

  • Names: Make sure all the information is actually yours and not someone who shares a name with you
  • Addresses: Are they all places you’ve lived?
  • Credit Accounts (loans, credit cards, lines of credit): Are they all yours?
  • Late Payments: Are there any being reported? Was your payment actually late?
  • Closed Accounts: Do you have a card or loan that was closed but it’s not showing as such?
  • Public Record: This is where bankruptcies and judgments show up – it should be blank if you’ve never had one
  • Inquiries: Are they all ones you did? If you see an inquiry you don’t recognize, someone else may be using your information to obtain credit

If you find wrong information on your credit report, contact the company in question first. For example, if you have a credit card with XYZ Bank, and they’re reporting late payments but you know you’ve paid on time, contact XYZ Bank first. If you can’t get a resolution with them, you can dispute any inaccuracies found on your TransUnion credit report by scrolling to the bottom of your report within My Credit and clicking “dispute”.

Since My Credit only pulls your TransUnion report, we encourage everyone to still visit www.annualcreditreport.com for a free copy of your report from each of the three credit reporting agencies. They may contain different information.

For more information about what to look for in your credit report, visit the Consumer Financial Protection Bureau’s website.

Nope! Checking your My Credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.

My Credit via SavvyMoney is a service made possible, in part, by a grant from the New York Credit Union Foundation.

New York Credit Union Foundation logo