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Free Member Benefit
Your Credit Score,
Your Credit Score,
Inside Your Banking App.
No third-party signups. No fees. No hard inquiry. Pioneer members get daily access to their TransUnion credit score and full report — right inside online and mobile banking.
100% free for all members
Won’t affect your credit score
Updated every 7 days
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What’s Included
Everything You Get, For Free
Daily Access to Your Score
Your credit score is always one tap away inside the Pioneer app. No separate login, no waiting — it’s right there on your dashboard.
Real-Time Monitoring Alerts
Get email alerts the moment something changes — a new account, an address change, a new inquiry, or a delinquency. Catch issues before they become problems.
Credit Score Simulator
See how financial decisions — paying off a card, taking out a loan — might affect your score before you make them. Plan smarter with real-time modeling.
Personalized Credit Report
View your full credit report from TransUnion, including the key factors helping or hurting your score — all explained in plain language.
Special Credit Offers
Receive personalized offers from Pioneer based on your credit profile — products that match where you are financially and where you’re headed.
Dispute Inaccuracies Directly
See something wrong on your report? Use the built-in Dispute option to file directly with TransUnion — no third-party websites or forms needed.
Understanding Your Score
What the Numbers Mean
300 – 579
Poor
Rebuilding may be needed. Secured cards and on-time payments help most.
580 – 669
Fair
Some lenders will approve, but rates may be higher. Consistent payments can move you up quickly.
670 – 739
Good
Eligible for most credit products at competitive rates. Room to improve for the best terms.
740 – 799
Very Good
Strong score. You qualify for favorable rates on loans, cards, and mortgages.
800 – 850
Exceptional
Top tier. You’re eligible for the best rates from virtually any lender.
Setup
How to Find Your Score in the App
1
Log in to online or mobile banking
Your credit score is inside your Pioneer account dashboard. If you’re not enrolled, sign up for free at banking.pioneerafcu.org/enroll.
2
Find the Credit Score & More card
Scroll through your dashboard. The Credit Score & More card will display your current score, score tier, and a link to your full report.
3
Pin it to the top of your dashboard
Tap Organize Dashboard at the bottom of the home screen. Press and hold Credit Score & Report, drag it to the top, then tap Done.
Pro tip
Tap Refresh Score inside the Credit Score card any time you want the most up-to-date information, rather than waiting for the weekly update.
On desktop?
You can also access Credit Score & More from online banking at banking.pioneerafcu.org.
Questions
Frequently Asked Questions
Credit Score & More gives you instant access to your latest TransUnion credit score and full credit report, along with the key factors impacting your score. It also monitors your credit daily and sends email alerts when anything significant changes — a new account, address change, delinquency, or new inquiry.
No. Credit Score & More is completely free to all Pioneer AFCU members. No subscriptions, no hidden charges — just a benefit of your membership.
No. Accessing your credit through Credit Score & More is a soft inquiry, which does not affect your credit score. Only hard inquiries — typically made by lenders during a formal loan application — can impact your score. Check it as often as you like.
Your credit score updates automatically every seven days. You can also tap Refresh Score inside the app or online banking at any time to pull the most current data.
Credit Score & More pulls data directly from TransUnion. If you believe something is incorrect, you can select Dispute within the app to file a dispute directly with TransUnion. You can also request a free credit report at annualcreditreport.com and dispute inaccuracies with any bureau individually. If TransUnion confirms the correction, they will share it with the other credit bureaus.
There are three major credit bureaus — Equifax, Experian, and TransUnion — and multiple scoring models such as FICO and VantageScore. Lenders may use different bureaus or different scoring versions. Each model weighs over 200 factors differently, so no two services will show exactly the same score. The score shown here is your TransUnion score and is accurate for that bureau and model.
No. Pioneer AFCU uses its own lending criteria when reviewing loan applications. Your Credit Score & More score is a personal financial wellness tool for your benefit — it is not the score used in loan decisions.
Yes. Credit Score & More monitors your credit daily and notifies you by email whenever there is a change to your credit profile. This includes new accounts, address changes, delinquencies, and new inquiries.
Your score is waiting.
Log in to Pioneer online or mobile banking and find your credit score on your dashboard — free, no impact, always available.
Credit Score & More is powered by TransUnion and is available to all Pioneer Appalachia Federal Credit Union members through online and mobile banking. Credit score is a soft inquiry and does not affect your credit score. Score updates weekly; manual refresh available at any time. Pioneer AFCU does not use Credit Score & More data in loan underwriting decisions. Accuracy of score depends on TransUnion data; Pioneer AFCU is not responsible for inaccuracies in third-party credit bureau data. Membership required. Federally insured by the NCUA.
Locations and Hours
We'd love to see you in person! Please feel free to drop into any branch location near you.