{"id":1072,"date":"2022-09-12T15:17:53","date_gmt":"2022-09-12T21:17:53","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=1072"},"modified":"2026-01-29T15:44:19","modified_gmt":"2026-01-29T22:44:19","slug":"my-credit","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/services\/my-credit\/","title":{"rendered":"My Credit"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-check-your-credit-score-daily\">Check Your Credit Score Daily<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">You can check your credit score each time you log into your mobile or online banking! My Credit is a free service offered by ICCU, powered by SavvyMoney\u00ae. With one click, you can check your credit score, view your credit report, and get up-to-date credit monitoring notifications. You can also find out what affects your score, how you can save money, and how to improve your score or rebuild your credit. It\u2019s just one more way that ICCU is looking after your daily balance.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">To activate and use this free service, simply click My Credit in mobile or online banking.<\/p>\n\n\n\n<div id=\"block_36c8777dde05d3e7a8963a6224dc90fa\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_e2155cb61c2f2127f78c23d432dcc170\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Log into eBranch<\/button>\n\n\n\n\n<button id=\"block_3dd899b1dc6dd4967a6dbe571f2954c5\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Download the ICCU app<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-get-to-know-my-credit\">Get to Know My Credit<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-stay-up-to-date\">Stay up to date<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Check your credit score daily<\/li>\n\n\n\n<li>Monitor credit for unusual activity<\/li>\n\n\n\n<li>Get alerts for changes to your credit<\/li>\n\n\n\n<li>View your full credit report<\/li>\n\n\n\n<li>Dispute items on your credit report<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-lg-font-size\" id=\"h-helpful-information\">Helpful information<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Visualize what affects your credit score<\/li>\n\n\n\n<li>Simulate how future actions may impact your score<\/li>\n\n\n\n<li>Get tips on rebuilding credit &amp; saving money<\/li>\n\n\n\n<li>Get instant offers based on your credit<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"My Credit from Idaho Central Credit Union\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/cJoSwe3GQEE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div id=\"block_36c8777dde05d3e7a8963a6224dc90fa\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_e2155cb61c2f2127f78c23d432dcc170\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Log into eBranch<\/button>\n\n\n\n\n<button id=\"block_3dd899b1dc6dd4967a6dbe571f2954c5\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Download the ICCU app<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-learn-from-the-experts\">Learn From The Experts<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Your Daily Balance - My Credit with Lisa Davis\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/7QAilzTJXx4?start=1&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Our team at ICCU gives you the best tips and tricks to achieve financial success through My Credit. Your credit history is no longer a mystery. By logging into your online banking you can view your current credit score, open and closed accounts, loans, and your full credit report all without impacting your score. It\u2019s never been easier to take control of your finances and stay protected.<\/p>\n\n\n\n<div id=\"block_36c8777dde05d3e7a8963a6224dc90fa\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_e2155cb61c2f2127f78c23d432dcc170\" class=\"js-button \" onclick=oao.open('%\/ebranch')>Log into eBranch<\/button>\n\n\n\n\n<button id=\"block_3dd899b1dc6dd4967a6dbe571f2954c5\" class=\"js-button is-style-link\" onclick=oao.open('\/services\/online-banking\/download\/')>Download the ICCU app<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-benefits-of-my-credit\">Benefits of My Credit<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-stay-up-to-date-without-affecting-your-credit\">Stay up-to-date without affecting your credit.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Many people worry that by checking their credit score too much they will see their score drop. Actually, using My Credit to check your score is what is known as a \u201csoft inquiry,\u201d which does not affect your credit score. Lenders use \u201chard inquiries\u201d to make decisions about your credit worthiness when you apply for loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-helpful-information-to-empower-you\">Helpful information to empower you.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Based on your My Credit information, you may receive helpful articles and product offers from ICCU. The articles, written by Jean Chatzky and the SavvyMoney team, provide helpful tips on how you can manage credit and debt wisely. The product offerings may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. Our goal is to empower you with the information to make the most out of your money.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-monitor-your-credit-to-prevent-fraud-and-identity-theft\">Monitor your credit to prevent fraud and identity theft.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">My Credit also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, if a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-sense-tools-for-managing-your-credit\">Common sense tools for managing your credit.<\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Credit score events help you visualize the relationship of your credit score with payment history, usage, or opening and closing of accounts. Use the credit score simulator to see the potential impact of opening new accounts or paying off balances. This interactive tool will simulate your credit score before you actually take any actions.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><section id=\"block_ca66fe1b504a60b13bfc47cf13cf2eca\" class=\"o-simple-faq  is-layout-flex wp-block-columns alignwide\">\n    <div class=\"o-simple-faq__inner\">\n        <h2 class=\"has-text-align-left\">Frequently Asked Questions<\/h2>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">What is \u201cMy Credit?\u201d <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">My Credit helps you stay on top of your credit by providing your latest credit score and report, an understanding of key factors that impact the score, and offers to refinance your loans to help reduce interest costs. It also monitors your credit daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment or a delinquency or inquiry has been reported.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Is there a fee for My Credit? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No. My Credit is entirely free to ICCU members who have online or mobile banking.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Will accessing My Credit \u201cding\u201d my credit and potentially lower my credit score? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No. Checking My Credit is a \u201csoft inquiry,\u201d which does not affect a credit score. Lenders use \u201chard inquiries\u201d to make decisions about credit worthiness when you apply for loans.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Does My Credit offer credit report monitoring as well? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Yes. My Credit will monitor and send email alerts when there has been a change to your credit profile.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">How often is the credit score updated? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">The credit score will be updated every 7 days and displayed in online banking. You can click \u201crefresh score\u201d as often as every day for an updated credit score.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">How does the My Credit score differ from other credit scoring offerings? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">My Credit pulls credit from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Why do credit scores differ? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">There are three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is identical.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Why doesn\u2019t the APR rate in My Credit match the actual rate on my loan (home, credit card, student, auto)? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">In most instances, lenders do not report interest rate information on accounts to the credit bureaus, which is where My Credit retrieves your information. To ensure we are providing you all of the info you need to be credit aware for all of your accounts, My Credit reverse calculates an APR estimate based on loan payments and term information.\r\n\r\nFor home loans, additional charges such as escrow balances are missing causing the APR estimate to vary from actual.\r\n\r\nFor credit cards or student loans, the APR estimate may vary as these types of accounts have fluctuating payment amounts and are open-ended (no true maturity date).\r\n\r\nYou are free to edit the APR estimate at any time to reflect the actual APR. My Credit will save the rate you input and display it for the life of the account.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Will ICCU use My Credit to make loan decisions? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">No, ICCU uses its own lending criteria for making loan decisions.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">If ICCU does not use My Credit to make loan decisions, why do we offer it? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">My Credit can help you manage your credit so when it comes time to borrow for a big-ticket purchase\u2014like buying a home, car or paying for college\u2014it provides you a clear picture of your credit health and can help you prepare to qualify for the lowest possible interest rate. You may also see offers on how you can save money on your new and existing loans with ICCU.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">Why isn\u2019t My Credit up-to-date with my most current balance on my credit cards? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">It can take up to a month for all of your information to report to the credit bureaus. It depends on how often the companies you have your cards with report to the credit bureaus. Some companies only do this once a month. My Credit is not an instantly accurate representation on accounts. Refreshing your account will show accurate information as long as it has been reported to the credit bureau.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">What if the information provided by My Credit appears to be wrong or inaccurate? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">My Credit makes its best effort to show the most relevant information from a credit report. If you think that some of the 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 own process for correcting inaccurate information, but every My Credit user can \u201cFile a Dispute\u201d with Transunion by clicking on the \u201cDispute\u201d link within My Credit. If the inaccuracy is verified, Transunion will then share this with the other bureaus.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">There is a section on the site that features both ICCU product offers and financial education articles. Why am I seeing this? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Based on your My Credit information, you may receive ICCU offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles are designed to provide helpful tips on how you can manage credit and debt wisely.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">My Offers seems squished and the formatting is off. Why is this? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Check your browser settings. You may have the font set to Large instead of the recommended Medium.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">When I\u2019m in My Credit and I hit the back button or DONE on my mobile device, it takes me to a blank white screen with \u201cMy Credit\u201d at the top. How do I get back to eBranch or back into My Credit? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">Simply click the menu icon located at the top, left of the screen and select the widget you\u2019d like.<\/p>\n        <\/div>\n                <div class=\"o-simple-faq__question\">\n            <p class=\"o-simple-faq__heading\">How does My Credit keep my financial information secure? <span class=\"o-simple-faq__icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\"><path d=\"M12 2c5.514 0 10 4.486 10 10s-4.486 10-10 10-10-4.486-10-10 4.486-10 10-10zm0-2c-6.627 0-12 5.373-12 12s5.373 12 12 12 12-5.373 12-12-5.373-12-12-12zm6 13h-5v5h-2v-5h-5v-2h5v-5h2v5h5v2z\"\/><\/svg><\/span><\/p>\n            <p class=\"o-simple-faq__description\">My Credit uses bank level encryption and security measures to keep the data safe and secure. Your personal information is never shared with or sold to a third party.<\/p>\n        <\/div>\n          \n    <\/div>\n<\/section>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Check Your Credit Score Daily You can check your credit score each time you log into your mobile or online [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":12880,"parent":31,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-1072","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>My Credit - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/services\/my-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"My Credit\" \/>\n<meta property=\"og:description\" content=\"Check Your Credit Score Daily You can check your credit score each time you log into your mobile or online [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/services\/my-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T22:44:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2023\/08\/my-credit-hammock-hero.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"780\" \/>\n\t<meta property=\"og:image:height\" content=\"586\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iccu.com\/services\/my-credit\/\",\"url\":\"https:\/\/www.iccu.com\/services\/my-credit\/\",\"name\":\"My Credit - 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