My Credit Score | Free Credit Report | South Carolina Federal

Monitor your credit score to see how good habits can lead to an improved score.

Know your score

Access your credit score anytime, anywhere using Online or Mobile Banking¹.

Save money

View special offers designed to help you keep more of your hard-earned money.

Monitor activity

Receive alerts whenever changes occur to your credit report.

Your credit score plays a significant role in your personal finances and serves as an indication of your overall financial health. A higher score helps you secure better rates on loans, for example, and many landlords check scores before signing lease agreements with tenants. Now you can check your credit score anytime, daily or monthly, without any negative effect.

Take Action

The credit simulator shows you the factors that impact your current score and what changes you can make to raise your score.

See Improvements

Learn what you do well or what needs to change financially, and access personalized tips to improve your credit score.

Stay Alert and Protected

Prevent identity theft through free credit monitoring. Watch for things like new accounts being opened, a change in address, or anything else that seems suspicious.

My Credit Score

With My Credit Score, you can view your credit score and the various factors that determine it. Use a variety of tools to explore your credit history and see how your actions can affect it, and gain access to special offers based off of your score. Be alerted when your score changes, and access helpful resources to manage and understand your score.

Estimate your savings growth.

See how much you need to save for that next big purchase.

Take a closer look at your budget.

Frequently
asked questions

What is My Credit Score?

This is a comprehensive credit score program that helps you stay on top of your credit. Upon enrollment, you get instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.

It also monitors your credit report daily and informs you by email if there are any big changes detected, such as a new account being opened, a change in address or employment, a delinquency has been reported, or an inquiry has been made.

Will accessing my credit score "ping" my credit and potentially lower my credit score?

No. Checking your credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your credit worthiness when you apply for loans.

Is there a fee?

No. Accessing your credit score is free, and no credit card information is required to register.

Does this service offer credit report monitoring as well?

Yes; it will monitor and send email alerts when there’s been a change to your credit profile.

How do I change my email address or other personal information?

If you change your email address in Online Banking, My Credit Score automatically updates your email on its side as well. However, we always encourage you to inform South Carolina Federal of any changes to your contact information.

Turn every purchase into a rewarding experience.

Enjoy financial flexibility with low rates, cash back and reward credit card options.

Credit Cards