Build Confidence with Your Credit

Check Your Free Credit Score with United Fidelity Bank

Your credit score touches almost every part of your financial life. From buying a home to getting a new phone plan, that three-digit number can open doors—or close them.

But here’s the good news: understanding your credit doesn’t have to be confusing or stressful.

At United Fidelity Bank, we believe financial confidence starts with knowledge. That’s why we offer a free Credit Score tool, powered by SavvyMoney®, right inside your Online and Mobile Banking. It’s safe, simple, and helps you take charge of your financial future anytime, anywhere.

🧠 What Is a Credit Score?

Your credit score is your financial report card. It shows how well you manage money—like paying bills on time or keeping credit card balances low.

Lenders, landlords, and even insurance companies use it to understand how likely you are to repay what you borrow.

Credit scores typically range from 300 to 850.  While different scoring models exist (like FICO® and VantageScore®), our Credit Score tool uses VantageScore, and categorizes your score into these ranges:

  • Excellent: 780–850 – You’re in great shape and likely qualify for the best rates and terms.
  • Good: 660–779 – You have solid credit and can access many lending options.
  • Fair: 600–659 – You may qualify for some credit, but rates could be higher.
  • Unfavorable: 500–599 – Your credit needs work, and you might have limited options.
  • Deficient: Below 500 – You may have major credit challenges or little credit history.

Where does this number come from? It’s calculated based on information in your credit reports, which are compiled by three major credit bureaus: Equifax®, Experian®, and TransUnion®. These reports track your history with different types of credit, like credit cards, mortgages, car loans, and student loans.

 

💡 Why Your Credit Score Matters

Your credit score can affect much more than just loans. It can influence:

  • Loan Approvals – Lenders check it before approving a loan or credit card.
  • Interest Rates – Higher scores often mean lower rates and less money paid over time.
  • Renting a Home or Apartment – Landlords often use it when reviewing rental applications.
  • Insurance Premiums – Some insurance companies use it when setting rates.
  • Utility Deposits & Phone Plans – A lower score may mean paying a higher deposit.

Knowing your score—and how to improve it—puts you in control of your financial future.

💻 The United Fidelity Bank Credit Score Tool

Managing your credit should be easy. That’s why we’ve made it simple with our FREE Credit Score tool.

You can check your credit anytime inside Online or Mobile Banking—no extra sign-ups or passwords needed.

🔍 Key Features You’ll Love

  1. Daily Access To Your Score and Report-Stay on top of changes and track your progress.
  2. Real-Time Alerts – Get notified right away about changes—like a new account or inquiry—to help protect against identity theft.
  3. Learn What Affects Your Score – The tool breaks down key factors like:
    • Payment history – Pay bills on time for the biggest impact.
    • Credit use – Keep balances under 30% of your limit.
    • Length of credit history – The longer, the better.
    • Credit mix – A variety of loans and cards helps.
    • New credit inquiries – Too many at once can lower your score.
  1. Credit Score Simulator – See how a financial move—like paying down a card or opening a loan—could affect your score before you do it.
  1. Full Credit Report – View your accounts, balances, and payment history. Spot something off? You can start a dispute directly with the credit bureaus.
  1. Goal Tracker – Set personal score goals, like moving from “Fair” to “Good,” and follow your progress step by step.
  1. Personalized Offers – You may see special loan options from United Fidelity Bank that fit your credit profile. No obligation—just possibilities.

🔒 Safe, Secure & 100% Free

You can trust that your information is protected.

  • ✅ Completely Free: No cost or hidden fees.
  • 🔐 Bank-Level Security: Same secure system as your other banking features.
  • 💬 No Impact on Your Score: Checking your score here uses a soft inquiry, so it never hurts your credit.

🚀 Take the First Step Toward Financial Confidence

Your credit doesn’t have to be a mystery. With United Fidelity Bank’s free Credit Score tool, you’ll understand, monitor, and improve your credit—all in one safe place.

Get Started Today

  1. Log in to United Fidelity Bank Online Banking or open the mobile app.
  2. Select “Credit Score” from the menu.
  3. Enroll and start exploring your credit insights.

Start building confidence with your credit—because when you know your score, you can shape your financial future.

United Fidelity Bank – Helping You Make Every Financial Step Count.