Free Resources That Help You Improve Your Credit Score

Your credit score is a key factor lenders use to make decisions to lend you money when you need to make purchases like homes, vehicles, or get a loan for your business. If you need to improve your score, use the free resources below to get on the right track.

person holding phone with my credit journey on screen

My Credit Journey

P1FCU members have free access to My Credit Journey in their Online Banking. Click My Credit Journey in the Menu to get started.


 my credit journey simulator

How My Credit Journey can help you improve your score.

Get customized analysis of your credit report.

  • Understand what areas of your report are hurting your score
  • See recent activity on your report and protect your identity 

Use the simulator to see how actions will affect your score. 

  • See how paying off debt or taking on new debt will affect your score
  • Understand the impact of missing a payment

Set goals for your score

  • My Credit Journey will suggest a goal for you
  • Once your goal is set, get recommendations on how to improve your score
  • Keep track of your score's progress, meet milestones, and more

AnnualCreditReport.com

The three major credit bureaus, Experian, Equifax, and Transunion, are required by law to provide you with a free copy of your credit report each year upon your request. You can access them through AnnualCreditReport.com Your report is free, but you will have to pay if you want to see your score.

This is a soft inquiry, so it will not hurt your score by any means, and is a great way to ensure all of the information on your credit report is accurate.

MyFICO

Your FICO score is a score from a company that uses a proprietary scoring model that most lenders prefer. FICO aggregates information from the three credit bureaus, Experian, Equifax, and Transunion, and calculates your score based on that information.

MyFICO lets you check your FICO score.

P1FCU Money Manager

Money Manager comes with your P1FCU Ascend Checking Account in your Online and Mobile Banking. It helps you keep track of things like how making extra payments toward your loan will make a difference in the long run.





































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