Prevent Identity Theft
Why is monitoring your credit so important? Broadly put, monitoring your credit can help protect you from identity theft and stay on top of suspicious or fraudulent transactions that take place.
A recent report shows that 1 out of 3 credit reports have errors. Whether these errors are fraudulent not, routinely checking your credit report can increase your awareness in changes to your credit file. This increased awareness can play a pivotal role in maintaining your identity and checking for errors on your report.
With our FREE credit score solution in online and mobile banking, you can receive real time credit monitoring alerts, get access to your full credit report, and stay on top of changes to your credit file. Ensure your identity is safe and your credit report is free of errors.
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 Analysis, Credit 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 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.
Alerts
The Alerts section tells you which changes to your report are important to note.
Resources
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
To unenroll, go here.
How Do I Get My Score?
Getting your score is easy!
- Log in to your Online or Mobile Banking and click on "My Credit Score" button
- You'll fill out a short form and answer some questions to identify yourself
- 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, a 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?
A: 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.
How do I unenroll from My Credit Score?
Simply click on this link to unenroll
Grow Your Business
Highmark Credit Union supports local businesses with essential financing.
- Real estate, equipment, lines of credit loans
- Access to SBA loans
- Expert loan officers to provide personal service
- A variety of checking, savings, and loan products