Credit Score and Report helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Yes. Credit Score and Report will monitor and send email alerts when there has been a change to your credit profile.

No. Credit Score and Report is entirely free to PFCU members.

Credit Score and Report is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

The credit score will be updated every seven days and displayed in PFCU Mobile Banking and Online Banking. You can click "refresh score" as often as every day for an updated credit score.

Credit Score and Report is meant to show the most relevant information from your credit report. If you believe some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every PFCU member can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and Report.

For more information about disputes: The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact each bureau and correct errors.

Three major credit-reporting bureas (Equifax, Experian, and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no model is completely identical although there are similarities.

No. PFCU uses their own lending criteria when making final loan decisions.