Skip to main content

Not an online banking member?
Register today!

My Account Login

Not an online banking member?
Register today!


My Better Credit

  1. My Better Credit, powered by SavvyMoney, is a comprehensive credit score program offered by your financial institution, that helps 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 your financial institution can help save you money.

    My Better Credit 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 address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

  2. My Better Credit’s credit report provides you 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 with your credit score, when you check your credit report, there will be no impact to your score.

  3. No. My Better Credit is entirely free and no credit card information is required to register.

  4. As long as you are a regular online banking 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 My Better Credit site from within online banking.

  5. My Better Credit 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.

  6. 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.

  7. No, HRCU uses its own lending criteria for making loan.

  8. No, My Better Credit 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 HRCU.

  9. My Better Credit uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

  10. My Better Credit 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 HRCU.

  11. My Better Credit makes its 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 www.annualcreditreport.com, 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 My Better Credit credit report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

  12. Based on your My Better Credit information, you may receive HRCU 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 the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

  13. No. Checking your credit score 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.

  14. Yes. My Better Credit will monitor and send email alerts when there’s been a change to your credit profile.

  15. If you access My Better Credit program through your online banking, you have to do nothing! Your email address will get updated automatically in My Better Credit when you update it in online banking. However we always encourage you to inform your financial institution of any contact information updates.

    If you signed up with My Better Credit from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.

  16. Yes, My Better Credit is available for both mobile and tablet devices and is integrated inside our mobile application.