Free Credit Review in St. Louis
Alltru Credit Union offers a free 15-minute credit review* to help the Greater St. Louis community understand their credit, identify ways to improve it, and leave with clear next steps, whether or not they open an account.
Build better credit with a local credit expert.
No sales pitch, no obligation.
What Is a Credit Review?
This is a fast, focused conversation with a local credit expert. It’s not a sales meeting.
In just 15 minutes, we’ll help you:
- Understand what’s helping or hurting your credit score
- Identify realistic, achievable ways to improve your credit
- Explore options like credit-builder loans or debt refinancing
- Leave with a clear plan, even if you don’t open an account
You don’t need to be an Alltru member to schedule a free credit check-up. There’s no requirement to open an account, apply for a loan, or become a member.
If you decide that a Credit Builder Loan, refinancing, or another Alltru product makes sense for you, becoming a member is simple, and we’ll walk you through it only if and when you’re ready.
La Kesha
Alltru Member
How the Free Credit Review Works
Bring your credit report
Download a free report from AnnualCreditReport.com.
Meet with a credit expert
You can choose to visit in-branch or by secure video call.
Review what matters
We explain your credit in plain language that makes sense.
Leave with practical next steps
Get practical actions that actually move your score.
What We Do During Your Credit Review
We walk through your credit report together, including:
- Payment history
- Credit utilization
- Account types and balances
- Collections or derogatory marks
- What can be fixed now vs. what takes time
Bradley
Alltru Member
Why Alltru Is the Credit-Building Credit Union of St. Louis
Alltru is a member-owned St. Louis-based credit union built to help people build and rebuild credit, not just use it.
We do this through credit-builder loans designed to establish or repair credit. Plus, we offer debt refinancing options that can lower interest and simplify payments and local credit experts who understand the financial realities of the Greater St. Louis area. It’s what makes us The Better Way to Bank.
How to Prepare for Your Appointment
To make the most of your time:
- Bring a recent credit report from AnnualCreditReport.com
- A digital or printed version is acceptable
- A report from the last 30 days works best
We will not pull your credit unless you choose to apply for a loan or open an account with us.
Danielle
Alltru Member
Schedule Your Free Credit Review
Appointments are available in-branch or by secure video call.
Availability is limited to keep these conversations meaningful.
“I love being an Alltru member because I feel seen. I’m not just another number.”
“Every time I call in, they’ve always been helpful and answer my questions. And if they can’t they transfer me to someone who could. It’s always a positive experience.”
“At Alltru, I feel comfortable and appreciated. I’ve banked with other credit unions, but they don’t have the same genuine appreciation for their members the way Alltru does.”
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We’re in your neighborhood.
We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.