Free Credit Score Check

Get instant access to your free credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.

Your free credit score and free credit report are waiting for you!

Your credit score is now available inside MyCoVantage to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money on new and existing loans with us. The ability to check your score is built right into MyCoVantage Online Banking, so you don't need a new login! And it is absolutely free for our credit union members in Michigan, Wisconsin and Illinois!

Benefits of a free credit score check include:

  • Receive daily credit monitoring with alerts for major changes
  • Identify credit bureau errors
  • Understand the factors that impact your score, and
  • Work toward your financial goals!

Credit Score Frequently Asked Questions (FAQs)

How do I check my credit score for free?
Your credit score is available inside MyCoVantage as part of a comprehensive program offered by CoVantage Credit Union to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how CoVantage can help save you money.

The program also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in Michigan, Wisconsin or Illinois address or employment, a delinquency has been reported or an injury has been made. Monitoring helps users keep an eye out for identity theft and fraud prevention.

Will I see a full Credit Report?
The program provides you with all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like the rest of the program, there will be no impact to your score.

Is there a fee?
No. The program is entirely free and no credit card information is required to register.

How often is my credit score updated?
As long as you are a regular MyCoVantage user, your credit score will be updated every month and displayed in your online banking screen. You can click "refresh score" as frequently as every day by navigating to the detailed site from within digital banking.

How does this program differ from other credit scoring offerings?
This program pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Why do credit scores differ?
There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

Will CoVantage use this program to make loan decisions?
No, CoVantage uses its own lending criteria for making loan decisions.

Will the program share my credit score with CoVantage?
No, it is a free service to help you understand your credit health, how you make improvements in your score, and ways you can save money on your loans with CoVantage.

If CoVantage doesn't use this program to make loan decisions, why do we offer it?
This program can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with CoVantage.

What if the information appears to be wrong or inaccurate?
We make our best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Score Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both CoVantage product offers and financial education articles. Why am I seeing this?
Based on your Credit Score information, you may receive CoVantage offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and her team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing this Credit Score program ‘ping’ my credit and potentially lower my credit score?
No. Using this program is a “soft inquiry,” which does not affect your credit score. Lenders use "hard inquiries" to make decisions about your credit worthiness when you apply for loans.

Does the program offer credit report monitoring as well?
Yes. It will monitor and send email alerts when there’s been a change to your credit profile.

Can members use the Credit Score program on mobile devices?
Yes, it is available for both mobile and tablet devices and is integrated inside our mobile application.

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