Free* Credit Score & Report

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Did you know that your checking account comes with Free Credit Monitoring? Home Federal’s goal is to help provide you with the best and most up-to-date financial resources.

Free Credit Score

When you log into online or mobile banking, you’ll have instant access to your credit score and report, along with tips on how to improve or maintain your score.

How to Sign Up

From Mobile Banking app or computer:

  • Login and tap “Show my credit Score & Report” or click “Show My Score”
  • Fill in any required information
  • Agree to the Terms and Conditions
  • Follow directions to verify your identity
Login to Online Banking

Not yet signed up for Online Banking?

Enroll Now

Improving Your Credit Score

Checking daily, weekly or monthly will not hurt your score. You can log in anytime to see your personalized tips for credit score improvement, find out what you’re doing well and what needs to change.

Here are a few tips to help you get started:

  • Payment History: Pay your bills on time.
  • Credit Usage: Don’t keep a high balance on credit cards. Also don’t open new cards just to increase your available limit.
  • Total Balance: Keep a diverse mix of debt accounts. A mix of installment and revolving accounts is better than having only one type of debt.
  • Credit Age: Don’t open too  many accounts too quickly. Keep your oldest account open, if you can. Also, don’t close unused cards.

My Credit Score FAQs

My Credit Score is a comprehensive Credit Score program offered by Home Federal, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how Home Federal can help save you money.

My Credit Score Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like My Credit Score, when you check your credit file, there will be no impact to your score.

No. My Credit Score is entirely free* and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed My Credit Score site from within digital banking.

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

My Credit Score uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

My Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their My Credit Score Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. Checking My 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.

Yes. My Credit Score will monitor and send email alerts when there’s been a change to your credit profile.

*Cellular phone carrier messaging and data rates may apply.

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