+ What is Credit Coach?

- Credit Coach helps you stay on top of your credit by providing your latest credit score and report, an understanding of key factors that impact the score, and offers to refinance your loans to help reduce interest costs. It also monitors your credit daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment or a delinquency or inquiry has been reported. 

+ Is there a fee for Credit Coach?

- No. Credit Coach is free to Christian Financial Credit Union members who have online or mobile banking.

+ Will Credit Coach hurt my credit score by pulling my credit?

- No! Credit Coach uses a "soft hit" method, which should not affect your score at all. 

+ How often is the credit score updated?

- The credit score will be updated every 7 days and displayed in digital banking. You can click “refresh score” as often as every day for an updated credit score.

+ Which credit bureau is m Credit Coach score coming from?

- Credit Coach using Vantage 3.0 from Transunion.  

+ How does the Credit Coach score differ from other credit scoring offerings?

- Credit Coach pulls credit from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

+ Why do credit scores differ?

- There are three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is identical.   
 

+ How does Credit Coach keep my financial information secure?

- Credit Coach uses bank level encryption and security measures to keep the data safe and secure. Your personal information is never shared with or sold to a third party.  

+ Why doesn’t the APR rate in Credit Coach match the actual rate on my loan (home, credit card, student, auto)?

- In most instances, lenders do not report interest rate information on accounts to the credit bureaus, which is where Credit Coach retrieves your information. To ensure we are providing you all of the information you need to be credit aware for all of your accounts, Credit Coach reverse calculates an APR estimate based on loan payments and term information.

For home loans, additional charges such as escrow balances are missing causing the APR estimate to vary from actual.

For credit cards or student loans, the APR estimate may vary as these types of accounts have fluctuating payment amounts and are open-ended (no true maturity date).

You are free to edit the APR estimate at any time to reflect the actual APR. Credit Coach will save the rate you input and display it for the life of the account.

 I see something incorrect on my credit report in Credit Coach. How do I fix it?

​- You will need to file a dispute with Transunion via the link in Credit Coach. 

+ Does Credit Coach offer credit report monitoring?

- Yes. Credit Coach will monitor and send email alerts when there has been a change to your credit profile.

+ Will CFCU use Credit Coach to make loan decisions?

- No, CFCU uses its own lending criteria for making loan decisions. 

+ If CFCU does not use Credit Coach to make loan decisions, why do we offer it?

- Credit Coach can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—it provides you a clear picture of your credit health and can help you prepare to qualify for the lowest possible interest rate. You may also see offers on how you can save money on your new loans with CFCU. 

+ Why isn’t Credit Coach up-to-date with my most current balance on my credit cards?

- It can take up to a month for all of your information to report to the credit bureaus. It depends on how often the companies you have your cards with report to the credit bureaus. Some companies only do this once a month. Credit Coach is not an instantly accurate representation on accounts. Refreshing your account will show accurate information as long as it has been reported to the credit bureau. 

+ What if the information provided by Credit Coach appears to be wrong or inaccurate?

- Credit Coach makes its best effort to show the most relevant information from a credit report. If you think that some of the information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com, and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every Credit Coach user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Coach. If the inaccuracy is verified, Transunion will then share this with the other bureaus.

+ There is a section on the site that features both CFCU product offers and financial education articles. Why am I seeing this?

- Based on your Credit Coach information, you may receive CFCU offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles are designed to provide helpful tips on how you can manage credit and debt wisely. 

+ My Offers seems squished and the formatting is off. Why is this?

- Check your browser settings. You may have the font set to Large instead of the recommended Medium.  

+ Show me more Credit Coach FAQs!

- Log into online or mobile banking, click on Show Full Report" or "Show My Score", then scroll down to the bottom of the page and click/tap on "FAQs."

+ What is Money Management?

- It's a free, versatile tool that combines, tracks, and organizes all of your financial information. You can see your transactions and expenses, create budgets, set future goals, and more.

+ Is there a fee for Money Management?

- Security is one of our top priorities, and you can be assured your financial data is protected with Money Management. Money Management uses bank level encryption and security measures to keep the data safe and secure. Your personal information is never shared with or sold to a third party.

+ Is there a mobile version?

- Yes. You can access Money Management through the ChristianFCU Banking mobile app.

+ How far back will Money Management get information for my Christian Financial accounts and those at other institutions?

- It will import 90 days' of transaction history from America First when you log in. The amount from another institution varies according to its policies.

+ How long does Money Management save CFCU transaction histories?

- As long as you are a member with Christian Financial.

+ Can I add an account that isn't supported for automatic downloading?

- Yes. Log in to Money Management, open Account View, then click on +Add an Account in the navigation bar. Choose Account Type, enter your details, and click Save.

+ How do I add an asset, like my home or vehicle, to balance my loans in net worth?

- Click on +Add a Manual Account and choose Property under Account Type.

+ How does Money Management categorize transactions?

- When imported, they're auto-categorized based on how you and other users manage similar transactions. When you change a category, Money Management will remember your preference for the next time.

+ Can I delete Christian Financial accounts?

- No, these cannot be deleted. You can, however, choose to exclude accounts.

+ Can I recover transactions or other data from a deleted account?

- No, this data can't be recovered from an account that's been deleted. Before you delete, be sure that's something you want to do.

+ Money Management will not import one or more of my external accounts. Why?

- Not all online systems are compatible with common aggregation methods.

+ How do I categorize loan payments and transfers? Why?

- A special category, Transfer, is for loan payments and transfers excluded from Spending and Budgets.

*Please Note: All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money being paid toward a debt, decreasing the amount you owe. The negative transaction should be categorized as an expense, so your budget will reflect your spending in that area. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment. Credit card payments are different from auto loan payments, since there is no property associated. Credit card payments are for money borrowed, on a transaction already accounted for in your budget. If you actively use your credit card, those payments should be categorized as Transfer: Credit Card Payment.

+ I added checking and savings from another financial institution. Why didn't my loans and other accounts import as well?

- It depends on where you have funds, but you will usually need to add each account separately. This means if you have three accounts with another institution, such as checking, savings, and a loan, you will need to enter your log-in credentials for each type.

+ What browser do you recommend for Money Management?

- Support varies based on browser version. Chrome will be more compatible than an outdated Internet Explorer version. If your browser is incompatible, Money Management will alert you.

+ How me more Money Management help and FAQs!

- Members can find support and help inside Money Management. Look for the help icon on the top right corner of Money Management. The icon looks like a circle with a question mark inside.

+ How and where do I request support for Money Management?

- Members can submit support tickets to MX right inside Money Management under the help section. The MX support team are comprised of highly skilled support specialists that will be answering all your questions. Support emails will come from support@moneydesktop.zendesk.com Please make sure to check your spam folders as your support reply might end up in spam.