Staying on top of your credit has never been easier.
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.
You can do this ANYTIME and ANYWHERE and for FREE without it affecting your credit score!
BENEFITS OF CREDIT SCORE:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
The benefits are endless, so there is no need to wait.
YOUR CREDIT SCORE. DAILY. AND SECURE.
Access your credit score and report by logging into our online banking platform, My247.
Credit Score: FAQs 
Q: Is Credit Score free to our members?
A: Yes! It’s also important to note that no credit card information is required to register.
Q: How can members enroll in Credit Score?
A: Members can enroll through HealthCare Associates Credit Union's online and/or mobile banking app, My247.
Online Banking - Members will see a widget next to their account’s dashboard. They simply click the widget, agree to the Terms & Conditions, and submit their permission to enroll.
Mobile Banking – On the accounts screen, members will be able to scroll to the bottom of their accounts and see a Credit Score tile. They click the tile and agree to the Terms & Conditions to submit their permission to enroll.
Q: Can members dispute errors on their credit report through Credit Score?
A: Yes! Help members navigate to the “Start A Dispute” button at the bottom of the Credit Report page. They can file a dispute directly with TransUnion using this link.
Q: Can a member download their credit report in Credit Score?
A: Yes! On the Credit Report page, members can click "Download Report" in the top right corner. A PDF version of their full report and HealthCare Associates Credit Union's offers will generate. They can choose to print or share their report electronically from there.
Q: Can a member unenroll from Credit Score?
A: Yes. On the Resources tab, they would select “Profile Settings,” scroll to the bottom, and select “Deactivate Credit Score Account.” Once unenrolled, members could choose to reenroll at any time through online or mobile banking.
Q: Do members receive alerts from Credit Score?
A: Yes! Members can receive credit alerts, monthly notices, and general messages from Credit Score.
Q: Can a member turn off email notifications from Credit Score?
A: In Credit Score, members can manage their email notifications by navigating to the Resources Tab, selecting “Profile Settings,” and change their preferences under Email Notifications. They can also change their subscription settings at the bottom of emails they receive.
Q: When does a member’s status change to inactive in Credit Score?
A: If a member does not log into online or mobile banking for 120 days, their Credit Score will go inactive, and they would be unenrolled. To reenroll, they would follow the normal enrollment procedures and they would regain access to their profile information.
Q: What scoring model does Credit Score use?
A: VantageScore 3.0
Q: What bureau does Credit Score pull credit profiles from?
A: TransUnion
Q: Can the credit score in Credit Score differ from other credit monitoring apps or loan applications?
A: Yes. Three major credit reporting bureaus—Equifax, Experian, and TransUnion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions/lenders use different bureaus, as well as scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.
Q: How often can members refresh their credit score in Credit Score?
A: Every 24 hours. Member profiles will automatically be refreshed every seven days if they haven’t refreshed within that timeframe to ensure they always see up-to-date information.
Q: Will enrolling or accessing Credit Score affect member’s credit and potentially lower their score?
A: No. Checking credit scores on Credit Score is a “soft inquiry” which does not affect their credit score.
