04/30/2026
Using Credit Score inside your Pantex FCU online banking or in the mobile banking app to check your actual credit score does not affect or lower your credit score.
Here are the key details on how it works:
Soft Inquiry Only: Credit Score performs a "soft inquiry" (or "soft pull") to check your credit score, which is for educational purposes and does not impact your credit rating.
No Limit on Checks: You can check your score daily through your PCFU online or mobile banking app without any negative consequences.
Safe Monitoring: The Credit Score tool is designed to monitor your credit, providing updates and alerts without acting as a "hard inquiry" (which is what lenders do when you apply for a loan, and can lower your score).
Data Source: TransUnion, one of the three major credit bureaus, and uses the VantageScore 3.0 scoring model.
