Credit Score

What’s in a number? In the case of your credit score, a lot—that measure of credit-worthiness can affect your ability to buy a car, find a place to live or even get a job.


Understand Your Credit Score

Access free credit score services in one easy-to-use dashboard available through Web Branch and our Mobile App.

Monitor Your Score

Get an instant snapshot of your creditworthiness and track your credit score’s progress over time.

See Your Report

View your full credit report in an easy-to-read format. See what’s affecting your score and easily monitor your credit.

Stay Alert

Get automatic alerts if changes are made to your credit profile, including new inquiries, credit lines or public records.

Personalized Tips

Explore the factors that are affecting your credit score and discover specific ways to improve your credit health.

As a member, you can check your score in Web Branch anytime. 

Log In

Check your credit score for free through the UW Credit Union Web Branch and our Mobile App.


Chart outlining factors that affect one's credit score.

How to Improve Your Score

The higher your score, the more likely you will get approved for loans and qualify for the best rates, so it’s vital to maintain a positive credit history.

Factors that help your score:

  • Paying bills on time (including credit cards, auto loan, mortgages, most utility bills and more)
  • Lower loan balances compared to the original loan amounts
  • Lower credit card account balances compared to your credit limit
  • A long history of responsibly maintained credit accounts

Factors that hurt your score:

  • Missing or late payments
  • Delinquent accounts
  • Adverse public records (bankruptcy, liens, etc.)
  • How much you owe compared to your available credit (the closer you are to your credit limits, the greater the negative impact)
  • Too much new credit — rapid opening of new accounts can lead to uncertainty about your ability to handle payments