Credit Score

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

To activate this new member benefit, simply go to "Your Credit Score" in the main menu of Chartway Online or Mobile Banking.

Benefits of checking your score today include the ability to:

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

Frequently Asked Questions

  • What is Credit Score?

    It is a comprehensive Credit Score program offered by Chartway, 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 Chartway can help save you money.

    Credit Score 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.

  • What is a Credit Report?

    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 Credit Score, when you check your credit report, there will be no impact to your score.

  • How often is my credit score updated?

    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 Credit Score feature from within online banking.

  • Is there a fee?

    No. Credit Score is entirely free and no credit card information is required to register.

  • Can members use Credit Score on mobile devices?

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

  • What if the information provided by Credit Score appears to be wrong or inaccurate?

    Credit Score 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 Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

  • Will accessing Credit Score ‘ping’ my credit and potentially lower my credit score?

    No. Checking 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.

  • How does Credit Score keep my financial information secure?

    Credit Score 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.

  • Will Chartway use Credit Score to make loan decisions?

    No, Chartway uses its own lending criteria for making loan decisions.

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