Pixel for iHeart Radio

Credit Score Toolbox

An array of tools made to monitor and increase your credit score

Credit Score Toolbox

Get full credit checks, run personal credit simulations and more.

Want to qualify for lower interest rates on your loans? Start by increasing your credit score with the UCCU Credit Score Toolbox available to all UCCU members. Get access to full credit checks without hurting your credit score and run personal credit simulations to determine how upcoming financial decisions can impact your credit.

Credit Score Toolbox Features

  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Credit Score Goals
  • Special Credit offers and More
  • Credit Builder

Apply for new loans using Elevated Checking Loan Discounts can also help grow your credit score.

Begin Building Your Credit

Want to raise your credit, but don’t know where to start? Use the Credit Score Toolbox found right inside your UCCU online banking. View your credit score, run credit simulations, and find other helpful tools to boost your credit.


(801) 223-8188 | Branch Locations

Available M–F 8am–6pm, and Sat. 9am–2pm.


Access Credit Score Toolbox

  1. Login to your UCCU Mobile App or UCCU Online Banking.
  2. Simply scroll to the bottom of the page and select “Show My Score” or in the menu select “Services” then “Credit Score Toolbox” to get started.
  3. Gain access to the three main features within credit score for guidance to a healthier financial future.
    • Run credit simulations
    • View financial health score
    • Set credit score goals

Powered by SavvyMoney. (Registration/activation required.)

Credit Simulator

Financial Health Score

Credit Score Goals

Frequently Asked Questions

Does Credit Score Toolbox have any annual fees?

No. Credit Score can be accessed by any UCCU member absolutely free. Login to your UCCU Digital Banking. Select “Services” then “Credit Score Toolbox or simply scroll to the bottom of the home page and select “Show My Score” to get started.

If you are not a UCCU member, you can open an account and gain full access to Credit Score.

Are there other credit tools UCCU offers?

Yes. Along with Credit Simulator, Financial Health Score, and Credit Score Goals, there are many other Credit Building tools offered by Savvy Money including credit market trends, advanced analytics, and additional reports on your personal credit score.

UCCU also offers other credit tools such as Credit Builder, Loan Discounts, and Checking Protection to help you on your credit building financial journey.

Who can help me if I have additional credit questions?

Contact a UCCU representative at any of our local Branch Locations. You can also call or text us at (801) 223-8188 for any credit building questions. UCCU Representatives will help assess your personal situation to best help you increase your credit score.

More Elevated Benefits

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location