Take Control of Your Credit—Free for All Members
Knowledge is power when it comes to your credit. Our Credit Score Monitoring tool, built right into Digital Banking, gives you a clear picture of your credit health, plus the tools to protect and improve it. There’s no cost, no impact on your score and it’s easy to use.
Why Credit Score Monitoring Matters
Your credit score affects loan rates, approvals and even renting a home. With our tool, you can:
- See your current score and full report
- Understand what’s helping or hurting your score
- Set goals and track your progress
- Simulate how financial decisions might affect your score
- Get alerts if something changes
It’s built to help everyday folks in our community make smarter money moves.
Key Features
Credit Score Analysis
See exactly what goes into your score. This breakdown grades key areas like:
- Payment History
- Credit Usage
- Account Mix
- Credit Age
- Inquiries
Each section shows your score in that area and tips on where you can improve.
How to find it: On the Credit Score home screen, scroll to “Analysis” and tap the arrows to expand each category.
Credit Score Goals
Set a target score and timeframe, then get personalized recommendations to help you reach it. Track your progress with regular updates and stay motivated toward your next financial step—whether it’s buying a truck, a tractor or a new home.
How to find it: On the home screen, go to the “Goals” tab and select “Set Up Your Goal.”
Credit Score Simulator
Wonder how life changes might affect your score? This tool lets you test “what if” scenarios, such as:
- Paying down credit cards
- Applying for new credit
- Making on-time (or late) payments
See the potential impact before you act.
How to find it: Scroll to “Simulator” on the home screen and click to open.
Credit Score Alerts
Stay protected with daily monitoring of your credit report. You’ll receive email and in-app notifications for important changes like:
- New accounts opened
- Address or employment updates
- Delinquencies or inquiries
This helps you spot potential identity theft early.
How to find it: Tap the Alerts icon near your score on the home screen.
Debt-to-Income Ratio (DTI)
See how much of your monthly income goes toward debt. Your DTI is one of the first things lenders check, so it shapes your loan eligibility and your everyday financial flexibility. Get the number for free and see where you stand.
How to find it: Scroll to “Debt-to-Income” on the home screen and follow the prompts.
Your Credit Report
View the same information lenders see: accounts, payment history, credit utilization, public records and inquiries. Checking your report here has no impact on your score.
Understanding Credit Scores
Three major bureaus (Equifax, Experian, TransUnion) and different scoring models (FICO, VantageScore) are used. Scores can vary slightly depending on the model, but they generally point in the same direction. Our tool pulls the most relevant information to give you a helpful, educational view of your credit.
How to Access Credit Score Monitoring
On Desktop (Digital Banking):
- Log in to Digital Banking.
- Look for the credit score widget on the right side of the landing page.
- Click the green “Enroll Now to Learn More” button..
On the Mobile App:
- Log in to the app.
- At the top of the screen, click “Get Your Credit Score and Free Report”
Important Information
- The credit score you see here is for educational purposes only. It may differ from the score we use when you apply for a loan.
- Our loan decisions use separate processes.
- If you see information you believe is incorrect, you can dispute it directly in the tool or visit www.annualcreditreport.com for your free weekly reports. The Federal Trade Commission also offers helpful guidance on correcting errors.
Ready to Check Your Credit?
Log in to Digital Banking today and click “Show my Score.”
Start understanding your credit, set goals and take simple steps toward a stronger financial future. Questions? Our team is always happy to help. Reach out anytime.
Want to join the Bronco family?
It’s easy. We have a few different ways:
Already a Bronco member and want to open another account?
You can do it online or bring your ID to one of our branches to get started.