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.
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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
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.
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. The VantageScore is a general indication of your credit health.
If your bank or credit card issuer offers free credit scores, then you should be able to check your score by either logging into your account online or reviewing your monthly statement. There are also other resources that allow you to see your credit score or credit report for free.
You might see companies and sites offering free credit reports, but there's only one authorized place to get the free annual credit reports you're entitled to by law: AnnualCreditReport.com.
Funds you can use whenever you choose. When life happens, you're covered with a personal line of credit. U.S. Bank clients with a FICO® Score of 680 or above and other qualifying factors could receive funds within hours.
You can enroll to view your credit score on the main dashboard within digital banking. You can view in the mobile app by tapping the microphone at the bottom of the screen and simply say "credit score."
Reports indicate U.S. Bank pulls credit scores and reports from TransUnion most often, but this isn't always the case. The card issuer also sometimes pulls credit scores from Equifax and Experian.
It also make recommendations about credit cards, loans, and more. It tells you which ones you'll likely be approved for and how different financial decisions will affect your credit profile. Credit Karma also explains what's affecting your credit score and how to improve it.
Credit Karma is one of the most popular sites in the free credit score market. Users get two free scores and reports, and the site offers additional calculators and educational tools. Credit Karma also offers daily score updates.
Does U.S. Bank Give Instant Approval? Yes, U.S. Bank credit cards may give instant approval when you apply for one of their cards online, though getting approved for an account immediately is never guaranteed.
You need a credit score of at least 750 to get most U.S. Bank credit cards, but the actual credit score requirements vary by card. One of the easiest U.S. Bank credit cards to get is the U.S. Bank Secured Visa® Card, which accepts applicants with bad credit and has a $0 annual fee.
Your credit score is a numeric representation of your credit report. You can get a free credit report once a year from all three major credit bureaus. A number of credit card companies let you see your credit score for free, usually on a monthly basis.
The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. Your FICO® Score is based on data from TransUnion® and may be different from other credit scores.
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