McDonald’s Readiness

The McDonald's myLocker helps you manage your financial life!

myLocker is a free and secure all-in-one financial well-being app with the tools and resources to help you build and monitor your credit, manage your financial accounts and loans in real-time, create custom budgets to save for your financial goals, and establish positive financial habits.

If your goal is to purchase a home, use the tools and technology to know when you are mortgage-ready, how much home you can afford, start your real estate search, connect with a mortgage lender, and transfer your financial documents to start your mortgage application – all directly from the app!

Step 1 of 5:

McDonalds is giving you a free myLocker to help you achieve your financial goals.

Step 2 of 5:

Enroll in Credit to receive your free credit score and credit report: 

  • Checking will never affect your credit score.
  • Check your credit report for any discrepancies. Use the link in your credit page to get started on disputing an error to TransUnion, Equifax and Experian.       
  • Keep paying your bills on time.

Step 3 of 5:

Add at least one financial accounts:

  • Identify your financial institution.
  • Enter your login credentials – bank level security with AES 256 encryption.
  • Submit to have your accounts enrolled.

Step 4 of 5:

Complete your myLocker profile:

  • Click the silhouette icon in your myLocker account.
  • Click “Plans” and then click “Edit”
  • Answer the questions about your objectives so the app can help you reach your financial goals.

Step 5 of 5:

Take a quick Mortgage Readiness Assessment:

  • Once you have created your account, and completed Steps 2 – 4, go to Readiness tab to see where you are on the path towards being ready to apply for a mortgage.
  • Learn if you need to improve your credit score, continue saving or reduce your debt-to-income.