Credit Scores Online

Your credit score is an important part of your personal financial picture and can be a significant factor in your financial well being. Today, credit scores are often used by lenders, insurance companies, and sometimes even prospective employers. Getting free and secure access to your credit score has traditionally been inconvenient for most consumers. This is why GMFCU offers all of our member’s free access to the credit scores that we have on file for you.

Check your credit score any time you choose. Here’s how:

  • Login to It’s Me 247 Online Banking
  • Go to My Accounts > View>Credit Score (please notice the¬†“as of” date)

    Other things you might want to know about your Credit Score:

  • Credit¬†scores will vary due to differences in credit scoring formulas used by various lenders and reporting agencies. This is not your credit score today. This is your credit score as of the last time that GMFCU accessed your credit file, either for a loan application or a soft pull. A soft pull is not full access to your credit file, only your credit score and does not count as inquiry on your credit file.
  • Your credit score can and does change frequently. Don’t be surprised if your credit score with another lender is different from the one that GMFCU has on file or from what you may have accessed online in the past. Frequent small changes up and down over a period of time are typical.
  • Things that may affect your credit score include (but not limited to) payment history, available credit, new accounts, and recent inquiries. If you are trying to improve your credit score making sure that your monthly payments are made on time and that your open accounts are not maxed out is a great way to start.
  • Checking your score here will not affect your score or your credit file. Talk to one of our loan officers for tips on improving your credit score or to customize the perfect loan for you.
    Please Note: This information is presented for educational purposes only. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.