Freedom First now has even more tools to help with financial wellness.

With My Financial Health, it’s easier than ever to keep an eye on your credit, set up identity monitoring alerts, and see reoccurring subscriptions - all within your mobile app or online banking.

Free Features:

  • Check your VantageScore® 3.01 credit score
  • Scan for fraudulent use of your personal information including name, address, email and more on the dark web2
  • See how much of your private information has been exposed on Data Broker sites3 
  • View recurring subscriptions tied to your account

In addition to features we offer for free, we also have premium features to help you take control of your financial health available for $8.99/month4 including:

  • Credit monitoring and alerts from all 3 bureaus
  • Change of address & SSN alerts
  • Up to $1 million in identity theft insurance5
  • Remove personal information from Data Broker sites3 
  • Cancel unused subscriptions with a single button6
  • Add rental payment history to your credit report7
  • Find the student loan repayment plan for you8 
  • Get custom recommendations on how to tackle your debt9

Learn More

Looking for some additional information about My Financial Health and how it could help you? Get started with this video.

Customize Your Dashboard

By default, My Financial Health appears at the top of your online/mobile banking dashboard, above your transactions.
 
Watch this tutorial video to see how to rearrange each section to your liking.



Financial Well-Being Impacts Everyone

No matter where you are in life, you could benefit from a boost in financial well-being.

Freedom First Mobile is a free service from Freedom First Credit Union, but your mobile carrier's data and text rates may apply.
 
1 VantageScore is a registered trademark of VantageScore, LLC. VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file. There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
 
2 Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver's licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer's personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. 
 
3 Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites. 
 
4 Optional services are available through Array, a third party provider. Additional terms, conditions, limitations, and eligibility requirements may apply. The credit union is not responsible for the products, services, content, or privacy practices of the third party. $8.99 (plus applicable tax) will be debited from your account when you enroll, and then monthly until you cancel. If your account does not contain sufficient funds to cover this transaction, a $32 Insufficient Funds Fee will be assessed. 
 
5 Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by a third party. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
 
6 Not all subscriptions can be identified, managed, or canceled through the service.
 
7 Results can vary, and you may not receive an improved credit score. Credit scores depend on many factors, some of which are beyond our control, even if all requirements and obligations are met. Not all lenders use credit scores impacted by rent payments. 
 
8 The Student Loan Aid tool in My Financial Health shows consumers all of their federal student loans in one place and presents different income-driven repayment plans that could help them save on their monthly payments. The user then chooses the plan that is best for them. They'll receive supporting documentation to help migrate to their chosen plan. Note that this does not make Freedom First Credit Union the underwriter or owner of student loans. The servicer remains the same - it simply helps the user select a payment plan with the original servicer that fits their goals. Savings opportunities and repayment options are not guaranteed. Individual results may vary based on loan type, eligibility, and lender/servicer requirements.
 
9 Recommendations within Debt Navigator are educational in nature and are not financial, legal, tax, or credit counseling advice. All loans are subject to credit approval. Terms and conditions may apply.