UFCU Credit Coach is powered by Credit Mountain, a fintech company committed to helping credit unions offer declined borrowers a path to approval. UFCU has provided its lending guidelines and underwriting criteria to Credit Mountain to help them determine creditworthiness thresholds. Your credit data is compared with the UFCU-provided lending standards, and Credit Coach shares whether you’re ready now can be ready with action. If you are not prequalified based on your credit, Credit Coach gives you a personalized credit improvement path that can help you achieve your goals.