Your Credit Score.
And More.
Anytime. Anywhere.
My Credit Score monitors your credit reports daily. You will be notified in real time if any significant changes are detected. Credit Monitoring can help you keep an eye out for identity theft.
Credit Monitoring
Staying on top of your credit has never been easier with My Credit Score.
My Credit Score is a free service that gives you access to your credit score, full credit report, credit monitoring, financial tips, and education. All without impacting your credit score.
Get daily access to your credit score. My credit Score includes financial tips and education to help you understand the factors that make up your credit score.
Credit Score
Get a detailed spending and cash flow overview through an intuitive Q&A financial assessment. You get a Financial Health Network Score, insights, and personalized guidance with recommended steps to reduce spending and enhance debt-to-income ratios for a healthier financial outlook.
Credit Score Simulator
Enroll in My Credit Score through your Online or Mobile Banking.
Access your real-time credit score, credit report, and financial tools anytime, anywhere.
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BANK WITH THE NATION’S FIRST CREDIT UNION
In 1908, St. Mary’s Bank opened its doors in Manchester, New Hampshire, becoming the first credit union in the nation. Over a century later, St. Mary’s Bank honors the past while continuously moving the credit union forward with innovative products and services.
Discover the St. Mary’s Bank difference today.
HUDSON • LONDONDERRY • MANCHESTER • MILFORD • NASHUA • PORTSMOUTH
Voted Best Credit Union
-New Hampshire Business Review BOB Award
Best of the 603, Credit Union
-Manchester Radio Group
A Best Company to Work For
-Business NH Magazine
Best Community Bank
-Derry News
Gold Level Lender
- New Hampshire Housing
Top NH Lender
-The Warren Group
My Credit Score
Frequently Asked Questions
Is there a fee to enroll/use My Credit Score?
No. It's entirely free, and no payment information is required to register.
Will enrolling, or accessing My Credit Score 'ping' my credit and potentially lower my credit score?
No. Checking your credit score on My Credit Score is a "soft inquiry" that does not affect your credit score.
How do I enroll?
Using St. Mary's Bank Online Banking or Mobile Banking app, you can enroll in My Credit Score by clicking the My Credit Score widget/banner.
How often does my credit score get updated?
If you regularly access digital banking, your credit score will be updated every 7 days. You may also refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within Online/Mobile banking.
What if the information provided by My Credit Score appears to be inaccurate?
Each credit bureau has its process for correcting inaccurate information, but you can "File a Dispute" by clicking on the "Dispute" link within the My Credit Score credit report.
Will this score be used when I apply for loans with St. Mary's Bank?
No, St. Mary's Bank uses our lending criteria when making final loan decisions. Credit will be pulled as part of the underwriting process.
Why is a Credit Score Important?
Step 1
Log in to your St. Mary's Bank Online Banking Account or Mobile Banking app.
Step 2
Online Banking desktop users:
click on the My Credit Score widget.
Mobile Banking app users:
Click "More" in the lower right corner, then click on the "Financial Wellness" drop down and select "My Credit Score".
Step 3
Follow the prompts to accept the Terms & Conditions to enroll your account and take a tour of the My Credit Score features!
The simple answer: the better your credit score, the better your interest rate and financial opportunities.
Your credit score is an essential factor in your finances, and many variables go into calculating this three-digit score. If you want to open a credit card, buy a car, or rent an apartment, your credit is going to be evaluated. Your credit score gives lenders an idea of how you manage money. Lenders will look at your credit score and credit history to determine potential interest rates and other offers.
Your credit score is calculated by multiple factors which include:
Payment History
(35%)
Payments to accounts, whether they have been paid on time, late, or if you have delinquencies.
What is a Credit Score?
Your credit score is a three-digit number that rates your creditworthiness. A credit score ranges from 300-850 based on a credit report, which is calculated by three credit bureaus - TransUnion, Experian, and Equifax.
Credit Utilization
(30%)
The credit you use (current balances) compared to the credit limit available to you, displayed as a percentage.
Credit History
(15%)
How long have your accounts been opened and the activity on them. Longer credit histories provide more information to determine payment history.
Types of Credit
(10%)
The variety of credit accounts you have. It can include installment credit, such as auto loans, and revolving credit, such as credit cards.
New Accounts
(10%)
New credit accounts you are applying for, including credit inquiries and the number of recently opened accounts. The fewer the better.
Need to enroll in Online Banking? Start Now >
What is Considered a Good Credit Score?
A good credit score is within the range of 721–780. This is based on the VantageScore 3.0® scoring model. If you get a credit score from TransUnion, it is a VantageScore 3.0 credit score. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility good credit brings.
Enroll through your Online/Mobile Banking
Generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain insights into your future eligibility for loans and credit cards. The tool will share how much your credit score might change based on your specific financial decisions such as applying for a loan, managing payment activity, and more.