View your Credit Score and Report

Get free instant access to your credit score, credit report, credit monitoring, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.

Credit Score access is a free service available to you through our Mobile Banking app, and you can get started today! It’s built right into our easy-to-use Mobile app, so you don’t need a new or separate login. Once you’re logged in to the mobile banking app, just click on “View Credit Score” on the main screen and follow the prompts to gain access to important credit information.

Benefits of checking your score today include the ability to:

If you haven’t yet signed up for Mobile Banking, just follow these easy steps, or download our mobile app to get started.

Once you’re logged into Mobile Banking:

Check Your Credit Score Daily

You can check your credit score each time you log into Mobile Banking. With one click, you can check your credit score, view your credit report, and get up-to-date credit monitoring notifications. You can also find out what affects your score, how you can save money and how to improve your score or rebuild your credit.

Stay Up-To-Date Without Affecting Your Credit

Many people worry that by checking their credit score too much, they will see their score drop. Our Credit Score viewing option is what is known as a “soft inquiry”, which means it will not affect your credit score. Lenders use “hard inquiries” to make lending decisions when you apply for credit.

Monitor Your Credit to Prevent Fraud

Our service 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, change in address or employment, if a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Common Sense Tools

Credit Score events help you visualize the relationship of your credit score with payment history, usage, or opening & closing of accounts. Use the credit score simulator to see the potential impact of opening a new accounts or paying off balances. This interactive tool will simulate your credit scores before you actually take any actions.

Helpful Info to Empower You

You may receive helpful articles and information about our products. Our goal is to empower you with the information to make the most out of your money.

Frequently Asked Questions

Is there a fee for using the Credit Score service?

No, this service is free to Dedham Savings customers, via Mobile Banking.

Will Accessing my Credit Score “ding” my credit and lower my score?

No. Checking your Credit Score is a “soft inquiry” which does not affect your credit score.

Is credit monitoring available as well?

Yes. The Credit Score service will monitor and send email alerts when there has been a change to your credit profile.

How often is the credit score updated?

The credit score updates every month as displayed in your mobile banking account. You can click “refresh score” as often as every 24 hours for an updated score daily.

Does Dedham Savings use this platform to make loan decisions?

No. You may see offers and lending products we offer within the Credit Score portal – but we have lending criteria and policies for making final approval decisions.

What if the information on my credit report appears wrong or inaccurate?

Our Credit Score service makes its best effort to show the most relevant information from a credit report. If you think that some of the information is wrong or inaccurate, you can obtain a free credit report from, and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every Credit Score user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score. If the inaccuracy is verified, Transunion will then share this with the other bureaus.

How does the Credit Score service keep my information secure?

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

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