MyPDCU Credit Score & Score Simulator

  Create your credit score goal by selecting your desired credit score and the timeframe in which you want to achieve that your goal. Receive personalized recommendations and track your progress. Edit your goal at any time and receive messages when meeting milestones.   Are you ready to create, track, and achieve your credit goals? Download the MyPDCU app with Credit Score and Report today.

Yes, MyPDCU Credit Score & Score Simulator and all other features are available on mobile and tablet devices. They are integrated within People Driven Credit Union's mobile banking application.

Yes, Members can easily choose when People Driven Credit Union contacts them. Navigate to the “Resources” tab, and then under “Profile Settings,” members can choose which email notifications they receive. MyPDCU Credit Score & Score Simulator sends out three types of emails: Credit Monitoring Alerts, General Messages, and Monthly Notices. Members will be automatically enrolled in all email communications and can easily unselect the specific email types they do not wish to receive.

Yes. Alerts are provided via the MyPDCU app, digital banking, and email. The user can update their email preferences for emails by navigating to “Resources” and the “Profile Settings” section. MyPDCU Credit Score & Score Simulator will provide the following monitoring alerts:

• An account has been included in bankruptcy.
• An account is reported as delinquent.
• A fraud alert has been placed on the credit file.
• A previously derogatory account is now current.
• A new account has been opened.
• An account in your name shows a different address.
• An account in your name listed a new employer.
• A new inquiry on the credit file.
• A new public record has been reported.

No. Checking your MyPDCU Credit Score is always a “soft inquiry,” which does not affect credit scores. Typically, ‘Hard inquiries’ are used by lenders to make decisions about their creditworthiness when Members apply for loans. Multiple hard inquiries can lower a credit score.

Suppose a People Driven Credit Union member has no credit history and/or a low credit score. In that case, they will be shown educational articles or products that cater to those credit score profiles (if offered).

The MyPDCU App features a section with product offers and financial education articles. Based on their MyPDCU credit score information, Members may receive PDCU prequalified offers (invitation to apply) on products that may interest them. Sometimes, these offers may have lower interest rates than the products they already have or can save them money on their monthly payments. The educational articles are designed to provide helpful tips on how Members can manage credit and debt wisely.

The MyPDCU Credit Score is not intended to be comprehensive and may not provide all information about user accounts. We encourage Members to obtain free credit reports from www.annualcreditreport.com to look for incorrect information or discrepancies across all three bureaus. Each bureau has its process for correcting inaccurate information. Still, users can “File a Dispute” by clicking on the “Dispute” link within their PDCU Credit Report for more information about disputes. The Consumer Financial Protection Bureau website offers step-by-step instructions on contacting the bureaus and correcting errors.

People Driven Credit Union has implemented bank-level encryption and security policies to keep our users' data safe and secure. People Driven Credit Union also has a sophisticated system that scans for and thwarts online bots, intrusions, and attacks. People Driven Credit Union’s policies and processes are reviewed annually by a third-party auditor and verified by multiple digital banking platforms' Security and Compliance teams to meet their stringent security guidelines to keep both Members' and financial partners' data safe and secure.

No, People Driven Credit Union uses our own lending criteria when making final loan decisions and has no access to MyPDCU Credit Score & Score Simulator. However, through MyPDCU Analytics, we can see what Members view and engage with.

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.

• Credit Score 780–850 — Excellent: Members in this range have healthy credit histories and are usually eligible for the lowest loan interest rates and the best credit card offers.
• Credit Score 660–779 — Good: You have good credit with only a few minor issues. Additionally, you can still receive favorable rates on most loans and credit cards. Moreover, this range often positions you well for competitive lender offers.
• Credit Score 600–659 — Fair: Credit is considered fair. You may not get the lowest rates, and some borrowing options may become limited.
• Credit Score 500–599 — Unfavorable. You may be new to credit or have more serious issues with your credit history. However, loans are still possible. Unfortunately, they usually come at much higher interest rates.
• Credit Score Below 500 — Deficient: Significant credit problems or a very limited history exist. Getting approved for new credit can be difficult.

Looking to increase your credit score? People Driven Credit Union members get free, one-on-one credit counseling and financial education through GreenPath Financial Wellness. Ready to join and start using MyPDCU Credit Score tools plus free credit support? Apply for membership today

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 TransUnion each keep their own record of your credit history. Lenders may check one, two, or all three, so the data isn’t always identical.
• Two common scoring models — Most lenders use either FICO® or VantageScore®. Both look at more than 200 factors (such as payment history, amounts owed, length of credit history, and new credit), but they weigh each factor differently.
• Timing matters — Reports update at slightly different times, which can also create small differences.

These variations are completely normal and very common. Want to understand your credit score and learn simple ways to improve it? Read our full guide: How to Understand and Improve Your Credit Score At People Driven Credit Union, we give every member free access to their credit score and tools to build stronger credit. Ready to join and start using these member benefits? Apply for membership today

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 match exactly.

Why scores can be different

Different credit score providers may use different data sources and different formulas to calculate a score. Even when the same general credit factors are considered, such as payment history, credit usage, and account history, the weighting can vary from one scoring model to another.

What this means for you

MyPDCU Credit Score can still be a useful tool for tracking trends in your credit over time, even if it is not identical to another score you may receive from a lender or another website. The important thing is to understand that score differences are normal.

Need help?

If you have questions about your MyPDCU Credit Score, call 844-700-7328 during business hours.

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 the MyPDCU app or online banking, open the detailed Credit Score Dashboard, and click “Refresh Score.” This lets you update your score and full report once every 24 hours.

Why this matters

Regular updates can help you track changes in your credit, review your report for accuracy, and stay on top of your financial progress.

Need help?

If you have questions about your credit score or report, call 844-700-7328 during business hours.

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 can use the Score Simulator to test scenarios such as paying down a credit card balance, applying for a loan, opening or closing an account, or changing your credit usage. It is designed to help you better understand how different choices may impact your credit profile.

Does it affect your real credit score?

No. Using the Score Simulator Tool does not affect your actual credit score. It is a planning tool that shows hypothetical results only.

Need help?

If you have questions about the Score Simulator Tool or your credit information, call 844-700-7328 during business hours.

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 borrowing history.

What it shows

Your MyPDCU Credit Report may include current and previous loans and accounts, credit inquiries, payment history, credit utilization, and public records if any appear on your file.

Does checking it affect your score?

No. Viewing your MyPDCU Credit Report is a soft inquiry, which means it does not lower or affect your credit score.

Need help?

If you have questions about your MyPDCU Credit Report, call 844-700-7328 during business hours.

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 online banking. Once you are signed in, the tools are available as part of your digital banking experience.

Why members use it

These tools can help you review your credit information, track your score, and explore how certain financial decisions may affect your credit, all without paying a fee to use the service.

Need help?

If you have questions about MyPDCU Credit Score & Score Simulator, call 844-700-7328 during business hours.

Yes, we are proud to offer financial counseling resources through trusted partner services.

What support is available

• Debt and credit counseling guidance
• Budgeting and financial wellness resources
• Education-focused support for better financial decisions

Available Financial Counseling Services

We connect you with certified counselors. They offer one-on-one sessions about debt management, credit improvement, and budgeting strategies. You learn skills to make smarter financial decisions every day.

How to Get Started with Financial Counseling

Contact PDCU to connect with the right counseling resource based on your current needs. Call us at 248-263-4100 during business hours. Our team connects you with financial counseling quickly. You can also visit any branch in Livonia, Southfield, Warren, Ypsilanti, or Romeo.

5 Helpful Hints for Accessing Financial Counseling

1. Call during quieter morning hours for faster service.
2. Write down your main financial concerns before you call.
3. Ask about free or low-cost counseling options first.
4. Keep your member number handy for quick verification.
5. Contact us at 248-263-4100 anytime you need financial counseling support.

People Driven Credit Union cares about your overall financial wellness. We make financial counseling easy to access through trusted partners. You receive professional guidance tailored to your needs. Many members report feeling more confident after just one session. Thank you for trusting us with your financial future. Our team stands ready to help you succeed.