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My Credit Score

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Get your credit score and more with My Credit Score, a free resource for you to better access and improve your credit score. Enrolling is easy through our Mobile App or Online Banking.

What are the Benefits of My Credit Score?

Credit Score Monitoring

  • See your score any time you log into the Mobile App or Online Banking. You can refresh your score every 24 hours and your profile will automatically refresh every 7 days
  • Instant access to the factors impacting your credit score
  • Track real-time credit monitoring alerts
  • Dispute errors on your credit from the Credit Report page to file a dispute directly with TransUnion
  • Get unlimited full credit report access
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Financial Wellness

  • Education to help demystify how your credit score is calculated
  • Receive tips to protect your credit worthiness
  • Use simulators to see how your activity impacts your credit score
  • Get access to more financial literary resources

Why it's Important to Monitor Your Credit

 At North Shore Bank, your financial success is our goal. Recent reports show that more than one-third of consumers have found at least one error on their credit report. Errors on credit reports are not uncommon, so staying up to date and reviewing your credit report is a must. Common errors on credit reports include personal information like a wrong name or address or account information like an account you do not recognize. It is important to correct errors to ensure they don’t negatively impact your credit score.

About My Credit Score

My Credit Score uses a “soft inquiry” when checking credit scores which does not affect your credit score.


You can manage the credit alerts, monthly notices, and general messages you receive from Savvy Money, North Shore Bank’s partner that provides My Credit Score. You can also manage your email notifications to match your preferences.

Take a Look Around

My Credit Score

Getting Started is Easy

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Launch

Launch the Mobile App

Access your credit score through the widget next to your "Accounts" dashboard in the Mobile App.

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Log In

Log into Online Banking

Log into your account and choose the "My Credit Score" link under "Quick Links".

Don't have an Online Banking or Mobile App account? Enroll today!

Message and data rates apply.

FAQs

Yes! If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.

Yes! On the Credit Report page, click “Download Report” in the top right corner. A PDF version of your full report will generate.

Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through the Mobile App or within Online Banking.

YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.

My Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score. 

My Credit Score uses the Vantage Score 3.0 scoring model and pulls your credit profile from Trans Union. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores. 

No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in My Credit Score, you might see an increase in the scores we pull for loan applications as well.

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