My Credit Manager
Stay in control of your credit score for FREE!
Now you can access your credit score tool and it is free to all our members who are registered in our online/mobile banking!
Download Now:
Please, notice that "My Credit Manager" Tool doesn't affect your credit score.
You will get access to:
Track your credit score with a visual score tracker
Receive alerts when your credit score or report changes
View credit record and all payment history
Calculate your debt-to-income ratio
Check what factors impact credit
Educate yourself about managing your credit score
Frequently Asked Questions (FAQ) DOES EVERY PERSON HAVE A CREDIT SCORE? No, most people do not have a credit score before turning 18 years old or if they are new to the United States and do not yet have a loan product (for example, a credit card or auto loan). In these cases, a person may not have a credit score.
Apply for USMFCU visa Platinum Preferred Credit Card
IS IT A FREE TOOL FOR MEMBERS? Yes, My Credit Manager is free to all our members who are registered in USMFCU online & mobile banking.
WHAT IS "MY CREDIT MANAGER" USED FOR? "My Credit Manager" provides members the ability to stay in control of their credit score through online & mobile banking.
DOES "MY CREDIT MANAGER" AFFECT MY CREDIT SCORE? No, "My Credit Manager" Tool doesn't affect your credit score.
HOW DO I IMPROVE MY CREDIT SCORE?
Pay your bills on time
Avoid or limit credit applications
Keep older accounts open over time
Reduce your debt
Use credit monitoring
HOW IS MY CREDIT SCORE CALCULATED? Equifax, Experian, and TransUnion, provide detailed information about a member's credit activity to companies that calculate a credit score. The two major companies providing credit scores are FICO and Vantage Score. Each uses a proprietary method to calculate their score.
WHY IS CREDIT SCORE MONITORING IMPORTANT? Good credit is essential for many of life's personal milestones: refinancing loans, getting a car loan, mortgage, starting a business, and others. Monitoring it keeps you aware and in control, which can lead to better credit.
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