PFCU - MI Credit Union

Credit Score and Report helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Identity theft can feel overwhelming, but you’re not on your own. Identity Restoration provided by Allstate® Identity Protection is designed to step in quickly, simplify the process, and support you until everything is fully resolved. This can be found within Credit Score in PFCU Online Banking.

How It Works

Research. If you notice suspicious activity, you can get help right away using the Allstate® Identity Fraud Finder, conveniently accessible through Credit Score in PFCU Online Banking. After answering a few quick questions, the tool helps determine whether identity fraud may be involved. If a concern is detected, you’ll be connected with a dedicated identity restoration specialist from Allstate Identity Protection who will gather details and explain the next steps.

Resolve. Your assigned specialist takes the lead; submitting required documentation, coordinating with creditors and agencies, and helping mediate claims on your behalf. Throughout the process, you’ll receive regular updates so you always know what’s happening and what to expect.

Restore. Support doesn’t stop until your identity is fully restored. Even after your case is resolved, you remain enrolled for ongoing monitoring, giving you added peace of mind and confidence moving forward.

Restoring Peace of Mind

• Immediate guidance through the digital Identity Fraud Finder tool in Credit Score
• US-based customer care assistance 24/7
• Dedicated expert restoration specialist from start to finish
• Continued help and award-winning education post-resolution

Yes. Credit Score and Report will monitor and send email alerts when there has been a change to your credit profile.

No. Credit Score and Report is entirely free to PFCU members.

Credit Score and Report is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

The credit score will be updated every seven days and displayed in PFCU Mobile Banking and Online Banking. You can click "refresh score" as often as every day for an updated credit score.

Credit Score and Report is meant to show the most relevant information from your credit report. If you believe some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every PFCU member can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and Report.

For more information about disputes: The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact each bureau and correct errors.

Three major credit-reporting bureas (Equifax, Experian, and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no model is completely identical although there are similarities.

No. PFCU uses their own lending criteria when making final loan decisions.