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How to Stay On Top of Your Credit Score

Date: March 14, 2025
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Your credit score plays a huge role in your financial life. Having a healthy score can help you reach major milestones, such as buying a car, renting an apartment, buying your first home or even landing certain jobs.

When it comes to your credit score, knowledge is power. That’s why it’s so important to monitor your score regularly, so you always know where you stand.

If you don’t know your score (or haven’t checked it in a while!), help is here. Staying on top of your credit score has never been easier with My Credit Score, a free tool available within Wright-Patt Credit Union®’s (WPCU®) Mobile and Online Banking!

Here’s how My Credit Score can help you stay on track:

  1. Check your score anytime, anywhere. Credit scores fluctuate based on your financial behaviors and the information on your credit reports. With My Credit Score, you get instant access to your credit score via a “soft inquiry,” which means there’s no negative impact on your credit.
  2. Receive real-time credit monitoring alerts. When you enroll in My Credit Score, you’ll receive email alerts when there’s been a change to your credit profile, so you’re always in the know. Staying informed is important, especially when it comes to spotting potential fraud or errors early.
  3. Get personalized tips for improving your score. My Credit Score doesn’t just show you your score; it’s designed to help you understand what factors make up your credit picture so you can build, improve and maintain a healthy score.
    Whether you’re just getting started with credit or focused on improving your score, you’ll receive actionable steps based on your personal financial picture.
  4. Simulate the potential impact of financial decisions on your score. With the interactive Credit Score Simulator, you can explore how different actions could impact your score. Thinking about applying for a new loan or increasing your credit limit? What about paying off debt or consolidating a loan? Simulating these actions in advance can help you make confident, informed decisions that support your financial goals.
  5. Take advantage of special offers and money-saving opportunities. Unlike some tools that only monitor your credit score, My Credit Score also shows you personalized offers on WPCU products that may be of interest to you based on your information. These offers may have lower interest rates than the products you already have or may save you money on your monthly payments.
    It’s one more way WPCU is providing benefits that go beyond banking to help you reach your financial goals and improve your well-being!

Your Credit, Your Future: We’re With You!

No matter where you are in your Financial Flexibility and Freedom® journey, WPCU is with you every step of the way with tools like My Credit Score and other helpful digital services.

Ready to take control of your credit? Simply log in to Mobile and Online Banking to enroll in My Credit Score today!

Questions about accessing WPCU's Digital Services?

​Schedule an appointment​​ — we’re happy to help!