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My Credit

Manage your credit health in one spot!

Your credit score and report are now available within AgFed's digital experience!

Log in to your account and look for My Credit. Knowing your credit standing is essential when you want to open a loan or credit card, and tracking changes can alert you to suspicious activity. My Credit gives you tools to help protect your credit health.

With My Credit you can:

View your score and report

Access your credit score and report in digital banking.

Get helpful alerts

Stay on top of your credit with alerts when your score changes.

Track debt in one place

See open balances, monthly payments, and more—quickly and clearly.

Coming Soon

More features will be available soon. Keep an eye on the tool and this page for updates.

In addition to the free tools, you can upgrade to My Credit Premium to unlock the features below and better safeguard your identity and privacy from malicious activity.

With My Credit Premium you get:

Premium

All for $6.99/month³

Social Security Number monitoring

Detect and help prevent identity theft occurring outside of the credit bureaus’ visibility.

Change of address alerts

Get notified if an unauthorized change of address is detected.

Identity theft insurance

Up to $1M of identity restoration and protection against identity theft.¹

Identity restoration

Access hands-on assistance to restore your identity if it becomes compromised.

Data broker removal

Automated services help remove your personal information from data broker sites.²

Ongoing web monitoring

Continuously monitor for newly exposed personal information and get alerts if it resurfaces.

Subscription cancellation

Cancel unused or low-value subscriptions with a single action.

Credit building tools

Build or establish your credit history with guided credit-building features.

Student loan assistance

View your federal loan balance, find the most cost-effective repayment plan, enroll, and stay on track with recertification reminders.

Frequently Asked Questions

Do I have to be a member to enroll in My Credit?

Yes, all AgFed members have access to My Credit. You can enroll through Online or Mobile banking.

What credit score does My Credit provide?

The credit score is calculated based on the VantageScore® 3.0 model. Your VantageScore® 3.0 from TransUnion indicates your credit risk level and is not used by all lenders, some lenders may use a score that's different from your VantageScore® 3.0.

How often are the credit scores updated?

Your VantageScore® 3.0 score provided within My Credit is updated monthly.

Will using My Credit impact my credit score?

Enrolling in to My Credit and utilizing its tools will not negatively impact your score*

I don’t see My Credit in Online Banking or the Mobile App. What should I do?

You may have customized your dashboard. Select “Organize dashboard” and add My Credit from the available tools.

Does My Credit have any tools to protect my identity?

We are working on a Premium option with additional tools and features. More information will be available soon.

Disclosures

*Terms and conditions apply. Log in to your Online or Mobile banking to enroll and find out more. Credit score is calculated based on the VantageScore® 3.0 model. Your VantageScore® 3.0 from TransUnion indicates your credit risk level and is not used by all lenders; some lenders may use a score that's different from your VantageScore® 3.0. Learn more.

(1) Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.

(2) Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.

(3) Plus applicable taxes. $6.99 (plus applicable tax) will be debited from your account when you enroll, and then monthly until you cancel.

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