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Credit Coach

Credit Coach

We understand that your credit report and score are vital components of your overall financial wellness. That’s why the Credit Union is you an opportunity to gain a better understanding of your credit report with Credit Coach™.

A free 30-minute Credit Coach session offers a one-on-one consultation with a credit expert at BALANCESM Financial Fitness Program, and getting started is as easy as 1-2-3:

  1. Call our partner, BALANCE at 888-456-2227 between 9am and 5pm CT.
  2. Let the BALANCE representative know that the Credit Union referred you for Credit Coach.
  3. Review your credit report with an expert and get all of your credit-related questions answered by a pro!

Common Questions

Will this session cost me anything?
No. This service is a benefit of Credit Union membership; the cost associated with this service is covered by the Credit Union.

Will having BALANCE pull my credit report from TransUnion affect my credit score?
No, there are two types of credit pulls: hard inquiries and soft inquiries. A hard inquiry is when a person or organization requests your credit score and history and they intend to make a lending decision. Hard inquiries, like when you apply for a credit card, can impact your credit score.
When BALANCE pulls your credit, it is a soft inquiry. Soft inquiries are pulls done for is everything else , like checking your credit report for educational purposes. They do not affect your credit score.

What will I get from this session?
Aside from expert credit advice from a pro, you will get:

  • A copy of your TransUnion credit report
  • A “Your Credit Report” educational booklet
  • An Xpert Online Credit Report glossary.
  • What members are saying about Credit Coach?

  • “It was amazing!”
  • “I found it very insightful and was given insight into what lenders are looking at.”
  • “Loved it!”
  • “It was nice to get feedback and advice about my credit.”
  • Call BALANCE today to get started with Credit Coach!

    BALANCESM is a servicemark of Consumer Credit Counseling Service of San Francisco.
    Credit Coach™ is a trademark BCU.