What are the different credit score ranges used by MyPDCU Credit Score & Score Simulator, and how are they categorized?
MyPDCU Credit Score & Score Simulator are represented in ranges shown as follows: 780–850—This scoring range is considered “Excellent.” Members in this range have healthy credit histories and are usually eligible for the lowest rates on...
Continue ReadingWhy Do Credit Scores Differ?
Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions use different bureaus and scoring models. Over 200 factors of a credit report may...
Continue ReadingHow Does MyPDCU’s Credit Score Differ from Other Credit Scoring Offerings?
MyPDCU Credit Score pulls Members’ credit profiles from TransUnion, one of the three major credit reporting bureaus. It uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus, to make score information...
Continue ReadingHow Often Are Credit Scores Updated?
Scores are updated and displayed in digital banking every seven days. People Driven Credit Union members can refresh their score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within...
Continue ReadingWhat is the Score Simulator Tool?
MyPDCU Score Simulator is an interactive tool that allows People Driven Credit Union members to see how hypothetical actions may affect their credit score, including paying off a credit card balance or applying for a loan. For example, when checking...
Continue ReadingWhat is the MyPDCU Credit Report?
MyPDCU Credit Report provides People Driven Credit Union members with all the information they would find on a credit file, including a list of current or previous loans, accounts, and credit inquiries. Members can see details on their payment history,...
Continue ReadingWhat is MyPDCU Credit Score?
MyPDCU Credit Score is a comprehensive platform that provides Members free and ongoing access to their latest credit scores and reports, real-time credit monitoring, and savings opportunities on existing and new loans and credit cards – all through...
Continue ReadingIs There a Fee to Use MyPDCU Credit Score & Score Simulator?
No. MyPDCU Credit Score & Score Simulator is entirely free for People Driven Credit Union members, and no credit card information is required to...
Continue ReadingDoes People Driven offer financial counseling?
PDCU has partnered with GreenPath Financial Wellness to help our members get back on track with their finances and credit. Please call GreenPath at 877-337-3399 and let them know you’re a PDCU member and would like to make an appointment with a...
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