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✦✦ Credit Path

Know Your Credit.
Grow Your Future.

Monitor your credit score and get insights to improve your financial future.

Sign In via Online Banking →
Track Score
Set Goals
Improve Score

Resource One Credit Union is excited to bring you this opportunity to take control of your credit and improve your score! Credit Path is a free tool that offers personalized action plans for credit management. With Credit Path, you can feel confident in reaching your financial goals. Point your credit in the right direction and start on the path to a brighter financial future.

Credit Monitoring — Always On

Monitor your credit, set goals, and track your progress — all in one place.

Alerts

Receive notifications for new accounts, hard inquiries, balance changes, and address updates on your credit report.

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Score Tracking

Monitor your credit score over time with detailed trend history, change explanations, and progress toward your goal.

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Insights

Get personalized insights into the factors affecting your credit score, helping you make smarter financial decisions every step of the way.

All monitoring features are included at no cost. Sign in via online banking to get started today.

Sign In via Online Banking →

Credit Path for Declined Borrowers

Credit Path is also open to those who have been declined for credit. A denial doesn’t have to be the end of the road — we offer a clear path forward, with personalized guidance and actionable steps to help you build the credit you need to reach your goals.

Get Invited

After a credit decision, eligible applicants are invited to join Credit Path — a dedicated program designed to help you get to “yes.”

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Understand Your Credit

Your digital counselor breaks down exactly what led to the decline and what factors you need to address to move forward.

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Build Your Credit

Follow a personalized action plan to improve your score — whether that’s paying down balances, opening the right accounts, or correcting errors.

Move Forward

Once you’ve hit your credit goals, you’re in a much stronger position to reapply — and Resource One is here to help you across the finish line.

Frequently Asked Questions

Credit Path is available through online banking — and it’s also open to those who have been declined for credit. Whether you’re a current member or a non-member, Credit Path is here to help you take the next step toward your financial goals.

No. Credit Path uses a soft inquiry to access your credit information, which has absolutely no impact on your credit score.

Our system continuously monitors your credit report across all three major bureaus and sends you immediate alerts whenever a significant change is detected — new accounts, inquiries, score shifts, and more.

Yes — enrolling and using Credit Path is completely free. Optional premium services, such as rent reporting, are available at a cost through Credit Mountain’s affiliate partners.

Yes. You are encouraged to contact Resource One Credit Union and ask about credit counselor availability. Our team is here to help.

Schedule an Appointment

Credit Path is a service of Credit Mountain. Neither Credit Mountain nor Resource One Credit Union can guarantee that your credit score will improve or that you will be approved for credit products in the future.

© 2026 Resource One Credit Union. All rights reserved.
Federally insured by NCUA.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.