TouchTone Teller

Pantex FCU Credit Score

An in-depth credit score tool — COMPLETELY FREE!

At Pantex Federal Credit Union, we’re excited to offer Credit Score—a free tool within online and mobile banking that helps you take control of your financial health. With Credit Score, you can check your credit score, review your full credit report, set up custom alerts, run “what-if” simulations, and even monitor for signs of identity theft. Plus, you’ll gain access to expert articles with practical tips on managing credit and debt wisely.

Key Features:

  • Daily Credit Score Updates: Stay informed about your financial health.
  • Real-Time Alerts: Get instant notifications about potential credit threats.
  • Credit Score Simulator: See how different scenarios affect your score.
  • Personalized Credit Report: Gain detailed insights into your credit history.
  • Credit Score Education: Set an action plan, take a financial checkup quiz, and view insights to improve your credit score.

How to Get Started:

  • Log in to Online or Mobile Banking
  • Select "Credit Score" from the menu on the bottom of the page for Mobile.  For Online Banking, click on the "credit score" box on the right side of the accounts page.
  • Accept the Terms and Conditions to complete the enrollment... you're done!

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FAQs:

Q: What is Credit Score?

A: With this tool, you can check your credit score, get a full credit report, and see the factors that influence it. Scores update automatically each month, or you can refresh daily. Credit Score also monitors your credit file and notifies you if big changes occur—such as a new account, change of address, delinquency, or new inquiry.

 

Q: What is Credit Score Credit Report?

A: The report shows everything you’d find in a typical credit file: loans and accounts, inquiries, payment history, credit utilization, and public records.

 

Q: What is the Score Simulator tool?

A: An interactive tool that lets you model different actions—like paying off a credit card balance—to see how your score might change.

 

Q: Is there a fee?

A: No, use of the Credit Score platform is completely free for Pantex FCU members enrolled in online banking. No credit card is required.

 

Q: How often are credit scores updated?

A: Scores update every 7 days when you log in. You can also refresh once every 24 hours in the Credit Score Dashboard.

 

Q: How does Credit Score differ from other credit scoring tools?

A: Credit Score uses TransUnion credit data and the VantageScore 3.0 model, providing a more uniform and reliable view of your credit health.

 

Q: Why do credit scores differ?

A: Scores vary because lenders use different bureaus (Equifax, Experian, TransUnion) and models (FICO vs. VantageScore). Credit Score scores are shown on this scale:

780–850: Excellent

660–779: Good

600–659: Fair

500–599: Unfavorable

Below 500: Deficient

 

Q: Will Pantex FCU use the credit score found in Credit Score for loan decisions?

A: No. Pantex FCU uses its own lending criteria. Your Credit Score score is private and not used in lending decisions.

 

Q: Will Credit Score share my score with Pantex FCU?

A: No. Credit Score is private to you. If you wish, you may download and share your report, but we cannot access it otherwise.

 

Q: How is my information kept secure?

A: Credit Score, powered by SavvyMoney uses bank-level encryption, intrusion detection, and annual third-party audits to safeguard your data.

 

Q: What if the information looks wrong?

A: Credit Score may not include every detail. We recommend checking AnnualCreditReport.com

You can also file disputes directly through the Credit Score platform or with each bureau.

 

Q: Does Credit Score include credit monitoring?

A: Yes. Monitoring is automatic, and you’ll be alerted of significant changes, such as:

• Bankruptcy or delinquency reported

• A fraud alert added

• New accounts opened

• Changes in address or employer

• New inquiries or public records

 

Q: Will checking SavvyMoney impact my credit score?

A: No. Credit Score only uses “soft inquiries,” which never affect your score.

 

Q: What if I have no credit history or poor credit?

A: Based on your credit profile, you may receive pre-qualified offers from Pantex FCU. Educational articles from Jean Chatzky and SavvyMoney provide tips on managing credit and debt wisely.