My Credit Rx - Credit Monitoring | NIH Federal Credit Union

Check your credit score for free

My Credit Rx powered by SavvyMoney^® is available in online banking and our mobile app. Easily check your credit score, view your credit report, set up credit monitoring updates and much more. With My Credit Rx, you can:

Check your credit score daily
View your full credit report
Monitor your credit for unusual activity
Get alerts for changes to your credit
Visualize what affects your credit score
Simulate how future actions may impact your score
Dispute items on your credit report
Get tips on rebuilding credit & saving money

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Protect and improve your credit score

Score Simulator

Credit score events help you visualize the relationship of your credit score. Use the My Credit Rx score simulator to see how your payment history, usage, or opening & closing of accounts can affect your credit. This interactive tool can simulate your credit scores before you actually take any actions.

Prevent fraud and identity theft

My Credit Rx monitors your credit report DAILY and informs you by email if there are any changes detected to your credit profile. Set up My Credit Rx today and keep an eye out for identity theft.

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Monitor Your Credit

Stay up-to-date without affecting your credit.

Using My Credit Rx to monitor your credit will not impact your credit score. Lenders use “hard inquiries” to make decisions about your creditworthiness when you apply for loans. My Credit Rx uses what is known as a “soft inquiry,” to monitor your credit, which does not affect your credit score.

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Image of cell phone with my credit rx dashboard.

Getting Started with My Credit Rx is easy

Only online banking users can access My Credit Rx. Not a user? Register here.

How to enroll in My Credit Rx on Desktop or Tablet:

Login to your online banking account
On the upper right of your dashboard, complete the fast, one-time steps to enroll in My Credit Rx!

How to enroll in My Credit RX on a Mobile device:

Download the NIHFCU Mobile App, or open it if you already have it installed.
Select the “More” button on the bottom navigation strip.
Tap on “Financial Wellness” and then “My Credit Rx.”
Complete the fast, one-time, steps to enroll in My Credit Rx!

My Credit Rx Frequently Asked Questions

Is there a fee for My Credit Rx?
No. My Credit Rx is an entirely complementary feature inside online banking and our mobile app.

Is there a fee for My Credit Rx?

No. My Credit Rx is an entirely complementary feature inside online banking and our mobile app.

Will using My Credit Rx affect my credit score?
No. My Credit Rx uses a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

Will using My Credit Rx affect my credit score?

No. My Credit Rx uses a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

Does My Credit Rx offer credit report monitoring?
Yes. My Credit Rx will monitor and send email alerts when there’s been a change to your credit profile.

Does My Credit Rx offer credit report monitoring?

Yes. My Credit Rx will monitor and send email alerts when there’s been a change to your credit profile.

How often is my credit score updated in My Credit Rx?
Your credit score will be updated weekly and displayed in online banking or the mobile app. You can click “refresh score” as frequently as every day for the most updated score.

How often is my credit score updated in My Credit Rx?

Your credit score will be updated weekly and displayed in online banking or the mobile app. You can click “refresh score” as frequently as every day for the most updated score.

Why doesn’t the rate in My Credit Rx match the actual rate on my specific loan?
In most instances, lenders do not report interest rate information on accounts to the credit bureaus, which is where My Credit Rx retrieves your information from. To ensure we are providing you all of the info you need to be credit aware for all of your accounts, My Credit Rx reverse calculates an approximate rate based on the information it has access to. For home loans, additional charges such as escrow balances could be missing causing the rate estimate to vary from the actual rate. For credit cards or student loans, the rate estimate may vary as these types of accounts have fluctuating payment amounts and are open-ended. You are free to edit the rate estimate for your loans to reflect the actual rate at any time. My Credit Rx will save the rate you input and display it for the life of the account.

Why doesn’t the rate in My Credit Rx match the actual rate on my specific loan?

In most instances, lenders do not report interest rate information on accounts to the credit bureaus, which is where My Credit Rx retrieves your information from. To ensure we are providing you all of the info you need to be credit aware for all of your accounts, My Credit Rx reverse calculates an approximate rate based on the information it has access to.

For home loans, additional charges such as escrow balances could be missing causing the rate estimate to vary from the actual rate.

For credit cards or student loans, the rate estimate may vary as these types of accounts have fluctuating payment amounts and are open-ended.

You are free to edit the rate estimate for your loans to reflect the actual rate at any time. My Credit Rx will save the rate you input and display it for the life of the account.

Will NIHFCU use My Credit Rx to make loan decisions?
No, NIHFCU uses its own lending criteria for making loan decisions.

Will NIHFCU use My Credit Rx to make loan decisions?

No, NIHFCU uses its own lending criteria for making loan decisions.

If NIHFCU doesn't use My Credit Rx to make loan decisions, why do we offer it?
My Credit Rx can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with NIHFCU.

If NIHFCU doesn't use My Credit Rx to make loan decisions, why do we offer it?

My Credit Rx can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with NIHFCU.

Why is My Credit Rx not up-to-date with the most current balances on my credit cards?
It can take up to a month for your information to report to the credit bureaus. Some credit card companies only report once a month. My Credit Rx does not report updates in real time. Refreshing your account will show accurate information as long as it has been reported to the credit bureau.

Why is My Credit Rx not up-to-date with the most current balances on my credit cards?

It can take up to a month for your information to report to the credit bureaus. Some credit card companies only report once a month. My Credit Rx does not report updates in real time. Refreshing your account will show accurate information as long as it has been reported to the credit bureau.

What if the information displayed in My Credit Rx appears to be wrong or inaccurate?
My Credit Rx makes its best effort to show the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, there are several ways that you can dispute it with the individual credit bureaus. If the information in dispute is on your Transunion credit report, you can “File a Dispute” directly in My Credit Rx by clicking on the “Dispute” link and following the instructions. If the inaccuracy is with a different credit bureau, you can obtain a free credit report from www.annualcreditreport.com, and then dispute the inaccuracies with each bureau directly.

What if the information displayed in My Credit Rx appears to be wrong or inaccurate?

My Credit Rx makes its best effort to show the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, there are several ways that you can dispute it with the individual credit bureaus. If the information in dispute is on your Transunion credit report, you can “File a Dispute” directly in My Credit Rx by clicking on the “Dispute” link and following the instructions. If the inaccuracy is with a different credit bureau, you can obtain a free credit report from www.annualcreditreport.com, and then dispute the inaccuracies with each bureau directly.

How does My Credit Rx keep my financial information secure?
My Credit Rx uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

How does My Credit Rx keep my financial information secure?

My Credit Rx uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

There is a section in My Credit Rx that features both NIHFCU product offers and financial education articles. Why am I seeing this?
Based on your credit information, you may receive NIHFCU offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles are designed to provide helpful tips on how you can manage credit and debt wisely.

There is a section in My Credit Rx that features both NIHFCU product offers and financial education articles. Why am I seeing this?

Based on your credit information, you may receive NIHFCU offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles are designed to provide helpful tips on how you can manage credit and debt wisely.