Credit Score

Stay on Top of Your Credit Score with our free app

  • Monitor your score daily
  • Set up Credit Score goals
  • and much more!

Access Your Credit Score Any Time

Free Credit Score

View current score and track progress.

Full Credit Report

See creditor info and account details.

Credit Monitoring Alerts

Get email alerts for important changes.

Protect Your Identity

Easy monitoring helps spot suspicious activity early.

Score Improvement Tools

See specific steps to improve and estimated score change.

Doesn't Hurt Your Score

Check as often as you want with no “hard inquiry” that could hurt your score.

 

 

Get Started with Credit Score

Credit Score is built directly into Holy Rosary’s online and mobile banking. No extra logins, no separate apps. In digital banking, just select “Check Your Score” and accept the Terms and Agreements to begin.  

After that, you’ll have free ongoing access to your score, credit report, and monitoring tools to help you stay informed, plan ahead, and track your progress. 

Check Your Score in Online Banking

 

Do I Just Have One Score?

Credit scores can be calculated using different models that weigh credit factors slightly differently. These models are used for different reasons. 

  • Most free credit monitoring services, like the Credit Score tool in online and mobile banking, use the VantageScore® model. 
  • Most lenders (including Holy Rosary CU) use the FICO® score model to make lending decisions.  

That means it’s normal for the score you see in digital banking to be different from the one used for a loan application. 

While the exact numbers may be different, the key factors behind them are the same: making payments on time, keeping balances low, and using credit thoughtfully. Monitoring your score in digital banking helps you track progress, spot changes early, and build habits that boost your credit, no matter which scoring model a lender uses. 

Learn More about Credit Score Models

 

Holy Rosary will help...

Want Help Building Your Credit?

Our free Credit Check Plus sessions offer one‑on‑one support with a Holy Rosary financial coach who can help you understand your report, set goals, and create an individual plan to build or improve your credit. 

Sign Up for Credit Check Plus

Coaching sessions provide education and guidance, not legal or tax advice. 

Become a Member

Join a credit union that truly puts its members first. With competitive rates, a commitment to financial education, personalized support in several languages, and a deep dedication to this community, we are here to help you achieve your financial goals. 

Join Holy Rosary Today!