Stay Informed About Your Credit—At No Cost

Free Credit Score

Staying on top of your credit has never been easier. With one powerful tool, access to your score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score. You can do this anytime and anywhere, for free.
Download The Mobile App
A smiling woman in a black blazer sits at a desk with a laptop and coffee cup, holding a credit card while working in a bright, modern office space with large windows.
Four smartphone screenshots showing a credit score and report app interface, displaying a VantageScore of 720, credit score simulator, alerts about changes to credit usage, and account details including delinquent accounts, derogatory marks, and inquiries.

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!

Track Your Credit Health Anytime, Anywhere.

Your Credit Score. Daily. And Secure.

Access your credit score and report in our mobile app and online banking.
Download The Mobile App
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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.
Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Credit Score is entirely free to Beacon Credit Union members.
Credit Score 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 mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
Credit Score makes it best to show 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 Beacon Credit Union Credit Score user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Partner. TransUnion will share this with the other bureaus if the inaccuracy is verified.
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 scoring model is identical.
Beacon Credit Union uses its own lending criteria for making loan decisions.
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