Person on laptop looking at their credit score

My Credit Journey

What's Your Credit Score?

Check with My Credit Journey, our new FREE credit monitoring feature inside Online and Mobile Banking.

You can now have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips.  You can use My Credit Journey to check your credit without impacting your score.  You also have access to up-to-date monitoring notifications and the ability to check what affects your score and how you can improve your credit.

  • Start by logging in to Online or Mobile Banking.
  • Click My Credit Journey in the Menu.
  • Click Get Started and enter your date of birth.
  • Answer a few simple questions.
  • Now you're set with free unlimited access to your credit score and report.


My Credit Journey is available to you through online and mobile banking. Your credit score is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways to save money on new, and existing loans with us.

My Credit Journey is a comprehensive credit score program offered by P1FCU 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 your financial institution can help save you money.

My Credit Journey 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.

My Credit Journey 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.
No. My Credit Journey is entirely free and no credit card information is required to register.
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 My Credit Journey site from within online banking.
My Credit Journey pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.
No, P1FCU uses its own lending criteria for making loan.
No, your My Credit Journey Credit Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with P1FCU.
My Credit Journey 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.
My Credit Journey Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with P1FCU.
The My Credit Journey 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, 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 My Credit Journey Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
Based on your My Credit Journey Credit Score information, you may receive P1FCU offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the My Credit Journey team, are designed to provide helpful tips on how you can manage credit and debt wisely.
No. Checking My Credit Journey 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.
Yes. My Credit Journey will monitor and send email alerts when there’s been a change to your credit profile.

If you access My Credit Journey program through your online banking, you have to do nothing! Your email address will get updated automatically in My Credit Journey when you update it in online banking. However we always encourage you to inform your financial institution of any contact information updates.

If you signed up with My Credit Journey from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.

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