A good credit score leads to great opportunities.
You can check, monitor and improve your credit health for free with the U.S.Bank Credit Score Program. It’s easy to enroll, easy to use and free to U.S. Bank clients with the U.S.Bank Mobile App or online banking.
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The VantageScore is a general indication of your credit health.U.S. Bankdoes not use your VantageScore to make credit decisions.
Set yourself up for credit success with one easy tool.
Whether you're looking to build credit or maintain a high score, CreditView™ Dashboard is designed to help you reach your goals.
View your credit score for free, anytime, anywhere.
Your score1 is updated once per week upon log in and can be viewed for free without impacting your credit.
Discover your credit potential with the Score Simulator.
Estimate what your score could be if you make certain changes.
Access your free credit report.
View your full report from TransUnion and get a complete picture of your credit health.
Work toward your goal.
Set credit goals and get personalized recommendations on ways to improve your credit score with CreditCompass™ from TransUnion.
Check your credit score for free with zero impact to your credit.
You can view your score as often as you like. Here’s how:
In the mobile app, select Help & services from the main menu, then select View credit score.
In online banking, select View credit score on the right side of the main page listed under the Shortcuts section.
Get the credit resources you need with a U.S.Bank account.
Access our free credit score program and tools to monitor your credit with any U.S.Bank account.
You could establish or build your credit score with a U.S.Bank credit card.
Explore U.S. Bank accounts View U.S. Bank credit cards
Learn more about how to manage your credit score.
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How to build credit history and maintain a good credit score
Get credit tips
What is a good credit score range?
Find out
Frequently asked questions
Most, but not all, credit accounts (loans, credit cards, utilities, etc.) report to at least one of the three major credit bureaus on a regular basis. But since lenders aren’t required to provide this reporting on a specific schedule, each lender does it at their own cadence. So, your credit score can change frequently based on how much new information is received over a given time period. The more credit accounts you use, the more often data are reported, and the better the chance that your credit score might change in the short term. In certain cases your score could change daily.
For purposes of your free credit score1in U.S.Bank mobile and online banking, your score is updated once per week upon log in, which is based on the date you enroll in the service.
As a U.S.Bank mobile and online banking client, you can check your credit score as often as you like (but note that your score will only be updated once per week upon log in) without impacting your credit. It’s a great way to monitor changes in your creditworthiness – and watch out for unexpected impacts caused by reporting errors or fraudulent transactions, which may be a tipoff that your identity has been compromised.
No. You can monitor your credit score as closely as you like without taking a “hit” to your credit. The VantageScore credit score provided in U.S.Bank mobile and online banking is for educational purposes only and is not used by U.S.Bank to make credit decisions.
The credit score you see in U.S.Bank mobile and online banking is a unique score derived from the VantageScore 3.0 model to help you understand your creditworthiness. The model incorporates the same data considered by the three main credit reporting companies (TransUnion, Equifax and Experian). The scores generated by these companies make up part of your credit report, which is a more comprehensive collection of information about your financial activity and credit history.
You’re entitled by federal law to obtain and evaluate your free credit report once a year from each of the credit reporting companies. You can request your free credit report at annualcreditreport.com.
Yes, you can access your free credit report on your CreditView Dashboard.
With the mobile app:
Choose Help & Services from the main menu, and then scroll to Credit health. Choose View credit score to view your current score and other information. Scroll down and select Go to CreditView to access your CreditView Dashboard, powered by TransUnion. There you can choose Credit Report from the menu to access your report.
With online banking:
Choose View credit score from the shortcuts menu on your dashboard. Select Find out more on your CreditView dashboard. There you can choose Credit Report from the menu to access your report.
Read our article on how to build your credit score and maintain a good history for more tips.
Clients enrolled in the U.S.Bank credit score program will see their VantageScore 3.0 credit score, which is provided by TransUnion. The VantageScore credit score provided in U.S.Bank mobile and online banking is for educational purposes only and is not used by U.S.Bank to make credit decisions.
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Disclosures
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Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S.Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and is not used by U.S.Bank to make credit decisions.
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Deposit products are offered by U.S.Bank National Association. Member FDIC.
