Skip to content

My Credit Manager

Safeguarding your personal credit is crucial. Whether you are applying for credit through a loan or with a credit card, regular monitoring can prevent issues.


My Credit Manager is FREE and helps you stay in control of your credit score and history with personalized information and educational tools accessible through the StearnsConnect digital banking experience.

Credit Score

Credit Score

See your up-to-date score and score history using a visual score tracker.


Credit Report

Credit Report

View a complete credit report, including all payment history.

Debt Analysis

Debt Analysis

See open balances and calculate your debt-to-income ratio.



Receive real-time notifications when your credit score or report changes.

Score Factors

2.1_Score Factors

See what factors impact credit and how your activity is evaluated and ranked. 

Credit Education

2.3_Credit Edu

Learn about managing your credit score and understand how it is determined.

Frequently Asked Questions (FAQ)

What is My Credit Manager used for?

My Credit Manager provides users with access to their credit score and reporting, so they’ll know where their credit stands.

How do users access My Credit Manager?

Users can easily find My Credit Manager within StearnsConnect by clicking the link to opt in and following the automated onboarding process.

Is My Credit Manager integrated into the Stearns Bank online and mobile account access?

Yes. My Credit Manager is available on StearnsConnect, our mobile application and online banking platform.

Who can benefit from My Credit Manager?

Nearly everyone! A recent study by Financial Health Network found that 62% of U.S. consumers are actively trying to manage their credit scores. My Credit Manager helps users build and protect their financial futures.

Is credit affected when checking a credit score through My Credit Manager?

No. My Credit Manager conducts “soft pulls” of credit score information from the three major bureaus (Equifax, Experian, and TransUnion) with no impact to the user’s credit score.

Why is credit score monitoring important?

Good credit is essential for many of life’s personal milestones: refinancing loans, getting a car loan, starting a business, among others. Monitoring it keeps consumers aware and in control, which can lead to better credit.

Get Started Today

Already a StearnsConnect user?


Not a StearnsConnect user yet?

enroll in digital banking

Need help or have questions?

Call (888) 629-8707

Fraud: What Experts Need You to Know

Online shopping, remote business operations, digital currency exchange – these are exciting and convenient times. However, if we’re not careful, online convenience can become a fraudster’s playground.

Our experts track fraud trends and the latest prevention measures to keep you safe. Learn what to watch for and how to avoid becoming a victim with fraud notices and our Fraud Friday video series.

Apply For Business Banking Now
Connect with Customer Service