My Credit Manager allows you to have a complete picture of your credit information and ongoing credit monitoring - all within Commercial Savings Bank digital banking. My Credit Manager is FREE and helps you stay in control of your credit score and history with personalized information and educational tools.
Safeguarding your personal credit is crucial. Whether you are applying for credit for a loan or with a credit card, regular monitoring can prevent issues.
Credit Score: See your up-to-date score and score history using a visual score tracker.
Credit Report: View a complete credit report powered by Experian, including:
- Credit Summary
- Credit score and factors
- Personal information
- Details of all credit accounts
- Credit inquiries
- Public records
- 7-year history
Alerts: Receive real-time notifications when your credit score or report changes.
Score Factors: See what factors impact credit and how your activity is evaluated and ranked.
FREE: Yes, this feature is COMPLETELY FREE to you!
How do I access My Credit Manager? You can easily find it within the CSB digital banking platform and on your mobile device. If accessing the system for the first time on a computer, the tab will be located in the lower right-hand corner of your main dashboard. If accessing on your mobile device, from the dashboard page, click the "insights" tab, and the feature is located within this page.
Why do scores differ: Each of the three credit bureaus (Equifax, Experian, and TransUnion) uses a different model to calculate a credit score and each gathers data independently. The credit bureaus pull your information from many different sources (such as lenders, collections, court records) at different times, there will often be discrepancies at any particular time between the reports from each credit bureau. The financial institutions and companies that provide your credit score use different methods. Some rely on FICO® Score and some rely on VantageScore. Even between those two companies, there are credit scores based on reports from one bureau, two bureaus, or all three bureaus.
