Setting goals is your first step toward achieving your dreams.
Errors on your credit report can negatively affect your credit score and ability to get a loan, rent an apartment, and even get a job. Monitoring your credit score regularly can also protect against identity theft and fraud. Mid Minnesota Federal Credit Union has your financial well-being as our number one priority, so we are making it easy for you as we partner with Savvy Money® so that you can monitor your credit score while using online and mobile banking.
- Start by logging into online or mobile banking.
- Then click "Check Your Score" where you see an image similar to the one shown here.
- Annually, download your full credit report from annualcreditreport.com and read through them carefully using the Credit Report Checklist as a guide of what errors to look for. Make three copies of the checklist, one for each of the three nationwide credit reporting companies: Equifax, Experian and TransUnion.
- If you find any mistakes on your credit reports, you should dispute them and we can help. Mid Minnesota has a Disputing errors on your credit reports resource that walks you through how to do this.
- Continue to monitor your score to ensure you have not been a victim of identity theft.
If you are building your credit toward an 850 score, the best ways to improve your score are to: pay bills on time, use less than 30% of your available credit, and monitor your credit regularly. Learn more about Savvy Money® and how this service can help you learn more about your credit score and improve your financial well-being by reviewing these
Frequently Asked Questions. The Savvy Money credit score tool is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with Mid Minnesota Federal Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see here. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.
