Credit Confident

Having a healthy credit score is key to your financial health. Now you can monitor your credit report and credit score whenever you log in to Online or Mobile Banking.  

  • Understand your credit score, factors that impact it, and what you can do to strengthen it
  • Free, unlimited access to your credit report and score
  • Real-time credit monitoring
  • Money-saving personalized offers


Get started

Activate My Credit Score by logging in to your Digital Banking account

Need to enroll in Digital Banking? Enroll online or download the mobile app*

Button to download Mobile Banking App on the App Store  Button to download Mobile Banking App on Google Play


Frequently Asked Questions

The scores are automatically updated monthly (every 30 days) without any needed action from you, or you also have the option to refresh your credit score and credit report daily, by clicking “Refresh Score” on the My Credit Score dashboard.

HawaiiUSA Consumer Digital Banking Users only, not available for Minor (under 18 years of age), Trust, Business, or Nonprofit accounts.

No. Checking My Credit Score is a soft inquiry, which does not affect credit scores. ‘Hard inquiries’ are used by lenders to make decisions about your creditworthiness when you apply for loans. Hard inquiries can lower a credit score.

My Credit Score pulls members’ credit profiles 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. The key factors that drive the score are the same.

There are three major credit reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical.

Credit Scores are represented along a credit score range, which helps Members get an easier understanding of where they stand.

  1. 781–850: This score range is considered “Excellent”. Members in this range have very healthy credit history, and are usually eligible for lowest rates on loans and most generous offers on credit cards.
  2. 661-780: This score range is considered “Good”. These Members typically have good credit; but it may have a few negative things on their report that lowered their score. These Members may not get the lowest rates on all types of loans.
  3. 601-660: This score range is considered “Fair”. Members in this range do not get the lowest rates on loans and opportunities to borrow start becoming limited.
  4. 501-600: This score range is considered to be “Unfavorable”. Members in this range are new to credit or have had significant defaults. Members in this range get loans at rates that are amongst the highest in the market.
  5. Below 500: This range is considered to be “Poor”. Members in this range are new to credit or have had significant defaults. Members in this range may find it hard to find credit.

A 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.

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

My Credit Score (through SavvyMoney) has put in place bank level encryption and security policies to keep member data safe and secure. SavvyMoney also has a sophisticated system that scans for, and prevents online bots, intrusions and attacks. Your personal information is never shared with or sold to a third party.

My Credit Score is not intended to be comprehensive and may not provide all information about your accounts. That’s why we encourage you to take advantage of obtaining free credit reports from to look for any incorrect information or discrepancies across all three bureaus. Each bureau has its own process for correcting inaccurate information, but you can “File a Dispute” by clicking on the “Dispute” link within your 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.

SavvyMoney is a HawaiiUSA vendor partner which manages the My Credit Score program that helps members stay on top of their credit. The program provides free, ongoing access to your credit score and credit report, monitors your credit for changes, and finds savings opportunities on existing and new loans and credit cards.