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How to Use My Credit Score

My Credit Score gives you free access to your credit score, credit monitoring tools, personalized insights, and educational resources through Digital Banking and the mobile app.

My Credit Score is powered by SavvyMoney® and is available to Peak Credit Union members with Digital Banking access.

What Is My Credit Score?

My Credit Score helps you:

  • View your credit score
  • Monitor changes to your credit profile
  • Receive credit alerts
  • Access credit education resources
  • Simulate how financial decisions may impact your credit score
  • Review personalized loan and refinancing opportunities

Checking your score through My Credit Score uses a soft credit inquiry and does not affect your credit score.

How to Enroll in My Credit Score

  1. Log in to Digital Banking or the mobile app.
  2. Select Services.
  3. Select My Credit Score.
  4. Enter your date of birth.
  5. Accept the authorization allowing SavvyMoney® to access your credit information. Note: This is a "soft pull," which does not affect your credit score.
  6. Submit your enrollment request.

Once enrollment is complete, your credit score and related tools will typically become available within 24 hours.

What Can I Do with My Credit Score?

Monitor Your Credit Score

  • View your current credit score
  • Refresh your score every 24 hours
  • Track score changes over time

Receive Credit Alerts

  • You'll receive notifications when significant changes occur on your credit report that may affect your credit profile.

Use Credit Score Simulator Tools

  • Explore how actions such as paying down debt, opening a new loan, or changing credit balances may impact your score.

Access Financial Education Resources

  • Learn about factors that affect credit scores and receive personalized recommendations that may help improve your credit profile.

View Personalized Offers

  • Receive loan and refinancing offers based on your credit profile and available products.

Frequently Asked Questions

Will My Credit Score affect my credit?

  • No. Enrollment and score updates use a soft credit inquiry, which does not impact your credit score.

How often can I check my score?

  • You can view your score at any time through Digital Banking. Credit scores can be refreshed every 24 hours.

How long does enrollment take?

  • Most members gain access to My Credit Score within 24 hours of completing enrollment.

Can I get a free credit report without enrolling?

Is My Credit Score available in the mobile app?

  • Yes. My Credit Score can be accessed through both Digital Banking and the Peak mobile app.

Need More Help?

Chat with us:

  • Ranger virtual assistant is available 24/7 through website chat to answer questions and help you find information.

  • If you need additional assistance, you can connect to a live chat agent during business hours:

    • Monday-Friday: 8:00 a.m. - 6:00 p.m. PT
    • Saturday: 9:30 a.m. - 2:00 p.m. PT
    • Excluding holidays

If you have questions about enrollment, credit score updates, credit monitoring features, alerts, or accessing My Credit Score in Digital Banking, start a chat with Ranger or connect with a live agent during available chat hours.

Prefer to call? Contact us at (800) 258-3115.

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