FAQ Category: Other
What are the different credit score ranges used by MyPDCU Credit Score & Score Simulator, and how are they categorized?
MyPDCU Credit Score & Score Simulator uses five standard credit score ranges to help you quickly see where your credit stands and what it means for loan rates and credit offers. You may be new to credit or have more serious issues with your...
Continue ReadingWhy Do Credit Scores Differ?
Credit scores often differ because lenders pull data from different credit bureaus and use different scoring models to evaluate the same information. Here’s why your credit scores can vary: Three major credit bureaus — Equifax, Experian, and...
Continue ReadingHow Does MyPDCU’s Credit Score Differ from Other Credit Scores?
MyPDCU Credit Score uses information from TransUnion and applies the VantageScore 3.0 scoring model. Other credit scores you may see elsewhere can come from a different credit bureau or use a different scoring model, which means the number may not always...
Continue ReadingHow Often Are Credit Scores Updated?
People Driven Credit Union updates and displays credit scores in digital banking every seven days. If you want a more current view, you can manually refresh your score and full credit report once every 24 hours. How to refresh your score Log in to...
Continue ReadingWhat is the Score Simulator Tool?
The Score Simulator Tool is an interactive feature in the MyPDCU app that lets you see how certain financial actions may affect your credit score. It can help you explore possible outcomes before you make a decision. What it can help you estimate You...
Continue ReadingWhat is the MyPDCU Credit Report?
The MyPDCU Credit Report is a free tool available in the MyPDCU app and online banking that helps you review important details from your credit file. It can be a useful way to stay informed about your credit and monitor the information tied to your...
Continue ReadingIs There a Fee to Use Credit Score & Score Simulator?
No. MyPDCU Credit Score & Score Simulator is free for People Driven Credit Union members, and no credit card information is required to register. How to access it You can access MyPDCU Credit Score & Score Simulator through the MyPDCU app or...
Continue ReadingIs my money safe in a Money Market Savings Account?
Yes. Money in a People Driven Credit Union Money Market Savings Account is federally insured by the National Credit Union Administration, or NCUA, to at least $250,000 per member, per ownership category. How NCUA insurance helps protect you NCUA...
Continue ReadingWhat is a Money Market Savings Account?
A Money Market Savings Account is a type of savings account that can offer higher dividend rates than a regular savings account while still giving you access to your funds. It may be a good fit if you want to earn more on your savings without locking...
Continue ReadingWhat is Community Alliance Credit Union’s (CACU) routing number?
Former Community Alliance Credit Union members should now use People Driven Credit Union’s routing number, 272484988. Community Alliance Credit Union merged with People Driven Credit Union in 2023. The former CACU routing number, 272477885, has been...
Continue ReadingHow do I use a contactless card?
Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Just look for the contactless symbol (it looks like a sideways Wi-Fi icon) at checkout. Then: Look for the contactless symbol (sideways Wi-Fi icon) at...
Continue ReadingHow do I report suspicious transactions?
If you notice a transaction on your People Driven Credit Union account that you do not recognize, contact us right away at 844-700-7328. You can review recent activity in online banking or the MyPDCU app, and setting up account alerts can help you spot...
Continue ReadingHow to request assistance with a loan
To request assistance with a loan that is in process, contact your Lending Specialist or call our team at 248-263-4100. Many members ask who I contact about signing a loan that is in process when their loan is ready for final paperwork. Who do I...
Continue ReadingPayment Questions
Rest assured, we’re in this together and here for you. Many members ask what I should do if I’m financially impacted by a layoff and may be unable to make my loan payments when facing temporary hardship. What should I do if I can’t make my loan...
Continue ReadingDebit, Credit Card Questions
How do I report card disputes and fraud, or get a replacement card at People Driven Credit Union? Call our Member Center at 248-263-4100 to report card disputes, fraud, or to request a replacement debit or credit card. If you have Debit Card Questions,...
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