A free way to monitor your credit score

Keeping tabs on your credit score is vital for your financial health. Your credit score helps determine if you’ll qualify for a line of credit and what rate you’ll pay. One’s recently launched Credit Manager gives all One customers on-going access to a free credit score along with personalized credit insights in the One app! Let’s take a tour of the personalized insights in Credit Manager and how your credit score is decided by low, medium, and high factors.


High Impact | Payment history

Easily track your payment history. It’s very important to keep up with monthly payments, even if they are just the minimum due. A late or missed payment can severely affect your credit score.



High Impact | Credit card use

Keep tabs on your credit utilization ratio (CUR). This number focuses on how much available credit you are currently borrowing. Calculate your CUR by the balance owed divided by the credit available across all your open credit accounts. It’s best to keep your CUR at 30% or less.



High Impact | Derogatory marks

Be aware of major dings. Any missed payments, collections, repossession and foreclosure marks stay for 7 to 10 years.



Medium Impact | Credit age

Build your credit history by keeping available lines of credit open. A long history of unused available credit sends a positive signal to the bureaus and can help increase your score.



Low Impact | Total accounts

Grow your confidence while you grow your credit score. Having multiple open credit lines, along with a variety of credit, helps build your history and signals trustworthiness.



Low Impact | Hard inquiries

Follow the number of “hard pulls.” It’s important to keep track of how many times you’ve asked for credit and how fast. If you are asking for a lot of new credit requests in a short amount of time, it signals your finances might be in trouble which can cause a dip in your credit score.



FAQs about credit scores and reports


Why do I need to establish a credit score?

A good credit score is important because it helps determine the rate, terms, and who will be willing to lend to you. It can affect many major life decisions, such as buying a house or car or applying to rent an apartment. Accessing lower rates will help you pay the loan off faster as well as pay less interest over time. Starting to build your credit as early as possible will help you build a positive credit history.


Does One charge any fees to access my credit score?

No! There are no fees for One customers to access their on-going credit score. 


How do I check my credit score?

One customers can easily check their credit score at any time by adding Credit Manager to their One dashboard.  


What is a credit report?

It is a summary of your personal credit history. Your credit report will include identifying information, such as your home address and date of birth, along with your credit history of payments or marks. 


How do I get a free copy of my credit report?

By federal law, you are entitled to a free copy of your report every 12 months to review that the information collected is accurate as well as give you a chance to report and fix mistakes. The 3 national credit bureaus have a centralized place to request your free copy. There are 3 ways to contact for your credit report:

  • By visiting their website,
  • By calling their toll free number, 1.877.322.8228
  • By completing a request form, then mailing to:
    Annual Credit Report Service
    P.O. Box 105281
    Atlanta, GA 30348-5281


Can I get my credit report in alternative media?

Yes! You can get your free credit report in Braille, large print, or audio format. It will take an additional 3 weeks to process this request. If you are deaf or hard of hearing, access the TDD service by calling 7-1-1 then refer the relay operator to 1.800.821.7232.


Why should I get a credit report?

Keeping an eye on your credit history, even if it’s only once a year, can help protect you from mistakes or catch early signs of identity theft.


How do I dispute an error in my credit report?

Federal law allows you to dispute inaccurate information on your credit report for free. The best way to file a dispute is with the credit reporting company who has reported the incorrect information. The Federal Trade Commission has information about disputing errors, letter template, and additional guidance on credit reports

Who and how to contact about a dispute:

Dispute process information

Mail letter to:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348


Dispute process information

Mail letter to:
P.O. Box 4500
Allen, TX 75013


Dispute process information

Mail letter to:
TransUnion LLC
℅ Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016


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