My Credit Score in Digital Banking
My Credit Score gives you a powerful way to stay informed about your financial health—all directly within Digital Banking. You can check your credit score anytime, understand what impacts it, and access your credit report without leaving your banking experience.
Even better: Checking your score is a soft pull, not a hard inquiry, so it will never affect your credit. You can monitor your progress as often as you like with confidence.
Always-On Access
Check your credit score anytime inside Digital Banking, right from your main dashboard. View a detailed breakdown of the key factors that impact your credit score and see how your habits influence your rating.
Full Credit Report
Access a copy of your credit report directly through My Credit Score so you can review accounts, history, and updates.
Alerts & Ongoing Monitoring
Get notified about important changes to your credit profile, helping you stay informed and respond quickly.
Why Monitor Your Credit?
Regular credit monitoring helps you stay aware of changes that could impact your financial future. By keeping an eye on your credit activity, you can quickly identify potential fraud, unauthorized accounts, or unexpected changes—allowing you to take action early.
Monitoring your credit also helps you better understand your overall financial performance. It shows how your borrowing, payment habits, and balances work together over time, giving you clearer insight into how everyday decisions affect your credit standing.
Features & Benefits
Check Your Credit Score Anytime
- View your credit score directly in Digital Banking whenever you want—no additional websites or accounts required.
Soft Pull, No Credit Impact
- My Credit Score uses a soft inquiry, so checking your score will not lower or impact your credit in any way.
Credit Monitoring Dashboard
- Stay informed with monitoring tools that alert you to important changes in your credit profile. This added visibility can help you spot suspicious activity early and protect against potential fraud.
Full Credit Report Access
- View a detailed credit report that includes account balances, payment history, and recent account activity, giving you a clear picture of your credit profile.
Score Factors
- Score Factors highlight what’s influencing your credit score, helping you understand what’s working in your favor and where there may be opportunities for improvement.
Score Simulator
- The Score Simulator allows you to explore how actions like paying down balances, opening a new account, or changing credit usage could impact your score over time.
Debt Analysis
- Debt Analysis provides an easy-to-understand breakdown of what you owe across accounts, helping you better manage balances and plan your next financial steps.
Identity, Privacy & Subscription Monitoring
- Access additional insights related to identity and privacy monitoring, as well as subscription monitoring, all designed to help you stay aware and in control.
How to Enroll
- Log in to Digital Banking using the mobile app or online banking.
- Select the My Credit Score tile on your dashboard, or open the menu and choose My Credit Score.
- Review the privacy policy and select Agree and Continue.
- Your credit score and dashboard will populate once enrollment is complete.
Take Control of Your Financial Health
My Credit Score is designed to help you stay informed, proactive, and confident. By monitoring your credit regularly, you can better protect yourself from fraud, track your financial progress, and make informed decisions that support your long-term goals.
All of this is available right inside Digital Banking—making it easier than ever to understand, monitor, and manage your credit in one secure place.
Why Use My Credit Score?
My Credit Score is a free feature for Cabrillo members — designed to meet you where you are and support where you want to go.
- Stay informed about your credit status without needing a separate app or website.
- Spot changes early with alerts and ongoing monitoring.
- Plan ahead for major purchases with a clear view of your credit health.
- Build better habits with education and guidance tailored to your situation.
- All at no cost – My Credit Score is free for Cabrillo Credit Union members.