No, this credit score cannot be used for purposes of granting loans or any other consideration by DCU. This information is not a pre-approval. You will receive your FICO® Score via Messages in Digital Banking. Their services are highly useful in many situations, including explaining credit report changes, and you can reach them at 888.456.2227. DCU has also partnered with a company called BALANCE which provides financial and credit counseling free of charge to our members. Scores are affected by a wide variety of circumstances, including payment history, how much of your available credit you are using, and opening or closing accounts. ![]() You should focus on changing the behavior that caused these factors. If you had a dramatic change in your score, you should order a credit report from the three major credit bureaus ( ) and review the information there.Īlong with your credit score, you may also receive the top two factors to help you better understand your credit score. This information is updated regularly, so scores can change within a short period of time. You can use these factors to help you determine how your financial behavior impacts your creditworthiness.Ĭredit scores can change for any number of reasons, including opening or closing lines of credit, lowering limits on credit cards, or a change in your payment history. Why is my score changing month to month?Īlong with your credit score, you may receive up to two factors that will help you better understand your credit score. You can find all three credit bureaus' contact information at. While this report will not contain your score, it is vital to review this information regularly for accuracy and to watch for any fraudulent activity. Not through this product, but under federal law, you are entitled to a free credit report once per year from all three major credit bureaus. Can I get access to my full credit report? Are there other services associated with this that I will be charged for?Īlthough this information is provided completely free of charge, you will have the option to purchase additional products directly through Equifax such as alerts and identity theft protection options.ĩ. No one else will have access unless you have given them your password to access your account.Ĩ. This information will be displayed in Digital Banking which is secure and accessible to you via a password. ![]() Will anyone else have access to this information? You'll then begin receiving your credit score on a monthly basis.ħ. You'll need to agree to the Terms and Conditions presented. Log in to Digital Banking, go to the Membership tab, select the FICO® Score link under Resources, and follow the instructions to Opt-in. How do I sign up (opt-in) for this product? However, under federal law, you are entitled to a free credit report once per year from all three major credit bureaus. Can I get scores from all three bureaus as part of the Digital Federal Credit Union FICO ® Score program?Īt this time, unfortunately not.
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