Fraud Protection & Credit Monitoring
Tracking your credit score is easier than ever this holiday season with Credit IQ! With scams and fraud on the rise during the holidays, it’s important to stay informed and protect yourself. With Credit IQ, you’ll get notifications about any credit changes and can monitor your progress without worrying about impacting your score. Plus, you’ll receive helpful tips for boosting your credit and finding the best rates. Think of Credit IQ as your trusty sidekick for a stress-free holiday season—helping you shop smart and stay protected!
Free Credit Score
Quickly check your credit score, learn what impacts it, and find great offers to reduce your interest costs. Track your score daily with no worries!
Credit Monitoring
Get email alerts for important credit changes, keeping you informed about potential identity theft and suspicious activity. Stay one step ahead!
Score Simulator
Simulate your credit score by choosing actions like loan applications and payments to see how they impact your score with this interactive tool.
Monthly Credit Report
Your report card within Credit IQ includes your full credit report and shows each category that makes up your score. Each category provides your grade and recommendations for ways to improve your score.
Frequently Asked Questions
How does Credit IQ protect me from fraud and scams?
Credit IQ helps protect you from fraud and scams by providing daily monitoring of your credit report and sending you immediate alerts for any significant changes, such as new accounts or inquiries. This allows you to quickly respond to suspicious activity.
Is Credit IQ Free?
Absolutely! Credit IQ is completely free for all Arkansas Federal members—no credit card information is needed to sign up. You can refresh your credit score every 24 hours by clicking “Refresh Score” in the Credit IQ section of Online Banking. Plus, you’ll receive a complete updated report automatically each month.
Will accessing my credit score through Credit IQ impact my score?
No, checking your credit score with Credit IQ involves a soft inquiry, which won’t affect your credit score at all. Lenders perform hard inquiries when you apply for loans, and those can impact your score, but Credit IQ only does a soft pull each time.
How often is my score updated?
Your score will be updated automatically each week, but you can update it anytime on your own by clicking “Refresh Score” in the Credit IQ section of Online Banking.
Why do I see product offers in the Credit IQ section of online banking?
You’ll see product offers tailored to you based on your Credit IQ credit score information. These offers often feature lower interest rates than what you currently have.
What if I find incorrect or inaccurate information on my credit report?
Credit IQ strives to provide you with the most accurate information from your credit report. If you notice any errors, we recommend obtaining your free credit reports at annualcreditreport.com and reaching out to each credit bureau directly. Each bureau has its own process for correcting inaccuracies, but you can file a dispute by clicking the “Dispute” link within your Credit IQ Credit Report.
How does Credit IQ keep my financial information secure?
Credit IQ employs bank-level encryption and robust security measures to protect your data. Rest assured, Arkansas Federal will never share your personal information with non-affiliates for marketing purposes. Your privacy and security are our top priorities!