Your Credit Score. Daily. And Secure.
Access your credit score and report in our mobile app and online banking—updated regularly.
Real-Time Credit Monitoring Alerts
Get notified when key changes happen—new accounts, inquiries, address changes, and more.
Credit Score Simulator
See how certain actions might impact your score before you take them.
Personalized Credit Report
Understand the factors influencing your score with clear, member-friendly insights.
Staying on top of your credit has never been easier.
All of this without impacting your credit score—and it’s free for LFCU members.
Your Credit Score.
Daily. And Secure.
Access your credit score
and report in our
mobile app and online banking.
Frequently Asked Questions
What is Credit Score and More?
Credit Score and More 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 and More offer Credit Monitoring as well?
Yes. Credit Score and More will monitor and send email alerts when there has been a change to your
credit profile.
Is there a fee for Credit Score and More?
Credit Score and More is entirely free for Lutheran Federal Credit Union members.
Will accessing Credit Score and More "ding" my credit and potentially lower my credit score?
Credit Score and More 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.
How often is the credit score updated?
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.
What if the information provided by Credit Score and More appears to be wrong or inaccurate?
Credit Score and More make 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 Lutheran Federal Credit Union
Credit Score and More user can “File a Dispute” with TransUnion by clicking on the “Dispute” link
within Credit Score and More. 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 scoring model is identical.
Will Lutheran Federal Credit Union use Credit Score and More to make loan decisions?
Lutheran Federal Credit Union uses its own lending criteria for making loan decisions.
