Your credit is more than just a number, it’s a key to your financial future. From getting approved for a loan to securing a great interest rate, your credit history plays a major role. At Metro Plus Credit Union, we’re here to help you understand, monitor, and protect it every step of the way.
Why Credit Monitoring Matters
Keeping an eye on your credit helps you:
- Spot fraud early before it affects your financial reputation.
- Understand your credit standing before applying for a loan or new account.
- Improve your score by tracking progress and identifying areas to strengthen.
Whether you're building credit or maintaining an excellent score, consistent monitoring is the key to staying in control.
Tips to Safeguard Your Credit
- Set up fraud alerts or credit freezes through the credit bureaus if you suspect suspicious activity.
- Limit hard inquiries by applying for credit only when necessary.
- Keep your credit utilization low, aim for under 30% of your available credit.
- Pay bills on time, every time. Your payment history makes up the largest part of your credit score.
- Sign up for account alerts through Metro Plus CU to stay updated on unusual account activity.
How to Monitor Your Credit
You’re entitled to one free credit report per year from each of the three major credit bureaus: Equifax, TransUnion, and Experian.
- Get yours at: www.annualcreditreport.com
- Or call: 1-877-322-8228
We recommend staggering your requests, check one report every four months so you can keep tabs on your credit year-round.
We’re Here to Help
Don’t let credit management feel overwhelming. Whether you have questions about your score, need help disputing an error, or want advice on building better habits, we’re ready to help you make sense of it all. Simply stop by, or give us a call at (859) 258-3990.