Improve Your Credit Score
Paying Bills On-Time has the Biggest Impact on your Credit Score.

Most people have recurring bills and expenses like rent, utilities, car payments, and
insurance. Since these bills have a fixed due date, you can use a Bill Calendar to chart your bill timing and compare it to income. Figuring out which bills to expect helps you plan to have enough money on hand. Some people find that thinking ahead helps reduce the stress when bills arrive.
MMFCU has a FREE Bill Pay service that can save you time and gives you peace of mind that the paying and mailing of payments are taken care of for you. Bill Pay saves you the cost of postage and helps you avoid late fees and other consequences of missed or late payments.
Finally, we make monitoring your credit score easy and FREE in online banking or mobile app with Savvy Money®. So you can see the impact on your credit score!
Know Your Credit Score
Setting goals is your first step toward achieving your dreams.

- Start by logging into online or mobile banking.
- Then click "Check Your Score" where you see an image similar to the one shown here, coming in January.
- 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.
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.