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Highmark Federal Credit Union

My Credit Score

Financial Literacy - Expand Your Knowledge. Empower Your Future. 

By enrolling in My Credit Score, you'll unlock a host of benefits tailored to expand your knowledge and empower your future:

Credit Score Education: Access educational resources to deepen your understanding of credit scores and financial management.

Credit Goals and Action Plan: Set achievable goals and create an action plan to improve your credit health.

Financial Checking Budgeting and Savings Tool: Use integrated budgeting and savings tools to manage your finances effectively.

Credit Score Simulator: Visualize the impact of financial decisions on your credit score before making them.

Your credit score is more than just a number. Lenders use it to determine if you are eligible for a loan, how much you can borrow, the interest rate, and your payment - all important things when it comes to your financial future. 

With My Credit Score, you now have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score. It's even built right into our easy-to-use platform, so you don't need a new login.

Benefits of checking your score today include:

  • Receiving daily credit monitoring with alerts for major changes,
  • Identifying credit bureau errors,
  • Understanding the factors that impact your score, and
  • Working toward your financial goals!

Tabs Within My Credit Score

Credit Score

Offers a new sub navigation for Score AnalysisCredit Report and Credit Simulator

  • Credit score events are displayed in a stackable chart to visualize the relationship of the score with payment history, usage, or opening/ closing of accounts.
  • Credit Score simulator allows you to see the potential impact of opening new accounts or paying off balances early. The interactive tool will simulate the your credit scores before taking those actions.

Loans & Offers

This section gathers all the loan offers applicable to you, and displays them under each product category.


The Alerts section tells you which changes to your report are important to note.


This section provides some FAQs, access to your user profile, your money blog as well as credit monitoring history. 

About My Credit Score

  • It's Free!
  • It's a "soft pull" on your credit report and does not affect your score
  • Receive monitoring alerts
  • Identify Credit Bureau Errors
  • See best rates available for you based on your score
  • Get personalized tips on how to improve or maintain your score 

How Do I Get My Score?

Getting your score is easy! 

  1. Log in to your Online or Mobile Banking and click on the  "My Credit Score" button 
  2. You'll fill out a short form and answer some questions to identify yourself
  3. You get your score!
Anytime you log into your Online or Mobile Banking you can check your score. Your score will be pulled weekly and you'll receive an email letting you know what has changed that past week.

FAQs About My Credit Score

Q: What is My Credit Score?
A: My Credit Score is a comprehensive Credit Score program offered by Highmark that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs or lower your monthly payments. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

My Credit Score also monitors your credit report daily and informs you through digital banking and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Q: Is there a fee?
A: No. My Credit Score is entirely free, and no credit card information is required to register.

Q: How does My Credit Score differ from other credit scoring offerings?

My Credit Score pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Read more on our accessibility statement