Understand Your Credit. Take Control with Confidence.

Credit Score is a free credit monitoring and education tool available to HUD Federal Credit Union members through Online and Mobile Banking. It gives you easy access to your credit score, full credit report, real-time monitoring alerts, and personalized insights to help you make smarter financial decisions.

Best of all, checking your credit with Credit Score does not impact your credit score!

Whether you’re working to improve your score or simply want to stay informed, Credit Score puts the information you need right at your fingertips.

What You Can Do with Credit Score

• View your credit score and full credit report.
• Monitor your credit with real-time alerts for important changes.
• Understand the key factors affecting your score.
• Use the credit score simulator to see how financial decisions may impact your credit.
• Set credit score goals and track your progress.
• Receive personalized tips and recommendations to support your financial wellness.

Credit Sense FAQs

What is Credit Score?
Credit Score is a free credit score and monitoring tool that helps you track your credit, understand what impacts your score, and receive alerts for important changes to your credit report.

Is Credit Score free?
Yes. Credit Score is available at no cost to HUD Federal Credit Union members.

Will checking my credit score affect it?
No. Credit Score uses a soft inquiry, which does not affect your credit score.

How often is my credit score updated?
Your score is automatically updated monthly and can be refreshed as often as every 24 hours.

Does Credit Score monitor my credit?
Yes. You’ll receive alerts if there are significant changes to your credit report, such as new accounts, inquiries, or potential fraud.

Is my information secure?
Yes. Credit Score uses bank-level security and encryption to protect your personal information.

Will HUD Federal Credit Union use my Credit Score to make loan decisions?
No. Credit Score is a monitoring and educational tool only. HUD Federal Credit Union uses its own lending criteria for loan decisions.

What if I see incorrect information on my credit report?
You can dispute errors directly within Credit Score or obtain a free credit report at annualcreditreport.com to work with the credit bureaus.

Can I access Credit Score on my mobile device?
Yes. Credit Score is fully accessible through HUD Federal Credit Union’s Mobile Banking app.

Start Using Credit Score Today

Log in to Online or Mobile Banking to explore Credit Score and take a more confident approach to managing your credit!