Credit Score
Now Live...View your Credit Score and Report inside eBranch and CSE Mobile App
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 for FREE.
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. Access your credit score and report in our mobile app and online banking.
FAQs
What is Credit Score?
Credit Score 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.
Does Credit Score offer Credit Monitoring as well?
Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score?
Credit Score is entirely FREE for CSE members.
Will accessing Credit Score "ding" my credit and potentially lower my credit score?
Credit Score is a "soft inquiry" which does not affect a credit score.
How often is my credit score updated?
Your credit score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" as often as every day for an updated credit score.
What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score shows the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every CSE FCU member who uses Credit Score can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score. Transunion will share this with the other bureaus if the inaccuracy is verified.
Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or 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 identical.
CSE and Credit Score both use Transunion's Vantage Score 3.0 model, so typically the score and offers you see inside Credit Score should closely reflect what CSE may offer, however, members will still need to qualify for credit using CSE's standard underwriting guidelines.
Will CSE Federal Credit Union use Credit Score to make loan decisions?
CSE uses our own credit and underwriting guidelines for making loan decisions and members will still need to qualify for credit by meeting our standard underwriting guidelines.