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Credit Score and Report

We hear the term credit a lot, but what does it really mean and why does it matter?

How is my credit score calculated? How can I improve my credit score?

Our Partners at GreenPath can help answer those questions! They’ll explain how to read your credit report, how credit scoring works, and answer your questions. Together you’ll make a plan for managing your credit score to support your goals.



Monthly Credit Score

Peace of Mind Checking account holders have access to their TransUnion® credit score. Your score is updated each calendar month and the value is documented on a timeline so you may track your score’s movement to alert you to any unexpected activity. If you see unexpected changes in your credit score, either up or down, it may be a lagging indicator of identity theft.

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Annual Credit Report

By federal law, each of the 3 major credit bureaus is required to provide you with one free copy per year of your credit report (though not your credit score) upon request. It is important to review this information not only to track and improve your financial health but also to ensure against fraud and identity theft.

Tip: It is advisable to space your requests out from the 3 bureaus throughout the year, (request one every 4 months), rather than requesting them all at the same time.



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Peace of Mind Checking provides extraordinary checking benefits PLUS extras that help protect you and your lifestyle.

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Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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