image of a person working on laptop, which a credit score on the screen

My Credit Manager

Safeguarding your personal credit is crucial. Whether you are applying for credit for 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 Rosedale Federal digital banking experience.

Credit Score

Screenshot of credit score in my credit manager

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

Credit Report

screenshot of the credit report in my credit monitor
View a complete credit report, including all payment history.

Debt Analysis

Screen shot of debt analysis in my credit manager
See open balances and calculate your debit-to-income ratio.


Screenshot of credit alerts in my credit manager
Receive real-time notifications when your credit score or report changes.

Score Factors

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

Credit Education

Score simulator screenshot in my credit manager
Learn about managing your credit score and understand how it is determined.

Frequently asked Questions

What is My Credit Manager?
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 digital banking by clicking the link to opt in and following the automated onboarding process.
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 Experian credit bureau 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.
How do I dispute and correct inaccurate information in my credit report?
If you discover information on your credit report that you believe is inaccurate, you can take the following steps to dispute and hopefully correct the information:

  1. Highlight the errors on your credit report
  2. Gather supporting documents that show your side of the story; for example, receipts or bank records showing that you made a payment on time that’s recorded as late or delinquent.
  3. Submit the information to the bureaus with a brief explanation (100 words or less).
You may find that some companies have forms on their websites that you can use.

You can also submit your information directly to the reporting lender.

After you submit your claim, you may need to wait 30 to 45 days before it’s resolved and the corrected information appears on your credit report. Note, however, that if the inquiry confirms that the information is accurate, the bureau or lender won’t change it.

If you still have questions after your claim is rejected and want to pursue your dispute further, you can file a complaint against a bureau or lender with the Consumer Financial Protection Bureau or with the Attorney General of your state.

I have my credit frozen. Can I still use My Credit Manager?
Yes, freezing your credit before or after enrolling will not impact the ability to leverage My Credit Manager products.
Why is your score different from others I see, such as Credit Karma™ or other banking apps?
Each of the three credit bureaus (Equifax, Experian, and TransUnion) uses a different model to calculate a credit score and each gathers data independently.

The credit bureaus pull your information from many different sources (such as lenders, collections, court records) at different times, there will always be discrepancies at any particular time between the reports from each credit bureau.

The financial institutions and companies that provide your credit score use different methods. Some rely on FICO® Score and some rely on VantageScore. Even between those two companies, there are credit scores based on reports from one bureau, two bureaus, or all three bureaus.

How secure is my credit data? Does anyone else have access to any of my information?
Your credit data is fully encrypted and secure. No one else, including bank employees, has access to your information.
How frequently is my overall credit score updated?

Your credit score is updated every 30 to 45 days.
Will outstanding balances to the IRS show up on my credit?
The IRS doesn’t report your tax debt to the credit bureaus. Your tax return information is protected by law, so the IRS can’t disclose it to third parties. However, if the IRS has filed a Notice of Federal Tax Lien, your debt to the IRS enters into public record. Even though the debt is public, the credit bureaus won’t include it in their credit reports. However, it may be possible
for a lender to find the information if they look through public records. You can avoid a tax lien by entering into a repayment agreement with the IRS.
How long do public records stay on my file?
Derogatory information can stay on your record for 7 – 10 years. It’s always good to review your records to ensure that the information is accurate. If you find something that you feel is inaccurate, take steps to dispute and correct it.
When will closed accounts come off my credit report?
Any accounts that were in good standing when you closed them will remain in your record for 10 years. Any negative information will remain for seven years.
Do creditors always look at gross income instead of net when calculating debt to income ratio?
Yes. Creditors always use gross income (before taxes) when calculating your debt to income ratio.  However, some creditors may ask for net income on credit applications.
Why am I not seeing all of the credit data I would expect?
Various factors, such as newer accounts, recent payments, etc. may not show up on your credit report because the creditor hasn’t started reporting it yet.
What do I do if some of this information is incorrect?
If you see information in your credit report that you think is incorrect, you can dispute it with the creditor or the bureaus. 

How long does it take before a late payment stops impacting my score?
Late payments will stay in your record for seven years. You can dispute a late payment report that you believe is in error, however you will need to provide proof, such as documentation that you did make the payment in question on time. If the information is accurate, however, you'll have to wait the full seven years before it clears.
How many total accounts is too many accounts?
There’s no set number of credit accounts that’s optimal or suboptimal. Having multiple credit card accounts can help you maintain a good debt to credit ratio, but having too much debt spread across multiple accounts can have a negative impact.
How are the simulated scores calculated?
Credit Score Simulator uses calculations that are similar to Experian (My Credit Manager leverages the VantageScore model).
How accurate are these simulations?
Credit Score Simulator is an educational tool that you can use for estimating the effect of certain financial actions on your credit score—but remember, they’re estimations only, not predictions. Actual results may be different.

My Credit Manager Authorization/Enrollment

You understand that by clicking on the "I Accept" button and signing up for My Credit Manager, you acknowledge and agree to the following:

  • You are providing "written instructions" under the Fair Credit Reporting Act (FCRA), and other applicable laws, for Experian or any other consumer reporting agency to release your credit report information to Rosedale Federal Savings & Loan Association (“Bank” or “Rosedale Federal”) upon the Bank’s request at any time as long as you are enrolled in the My Credit Manager Service. You understand that My Credit Manager may use your credit information, and other information that you provided prior to, at the time of or after enrollment to confirm your identity, display your credit data to you, and to offer you other Rosedale Federal products and/or services from time to time.
  • You acknowledge receipt of a copy of the Rosedale Federal Privacy Notice and that you will retrieve any future copies of the Privacy Notice electronically from the Bank’s website and that the Bank will have no obligation to deliver to you, on an annual basis or otherwise, the then-current Privacy Notice other than through its electronic posting on its website. In accordance with the Privacy Notice and applicable law, Rosedale Federal will use the personal information it obtains about you to fulfill our obligation to provide you with the My Credit Manager service and to offer you other Rosedale Federal products from time to time.
  • You agree to the applicable Terms and Conditions for the My Credit Manager service as they may be amended from time to time.
  • You understand that you may incur costs, including but not limited to online time and other charges from your communications service provider, in accessing and/or viewing document(s).

My Credit Manager Terms and Conditions

You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a username or password of another person. You agree to notify Experian promptly of any unauthorized use of My Credit Manager and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your right to access My Credit Manager.

My Credit Manager is a third-party service provided by Array, LLC. The credit score provided is your VantageScore 3.0 Credit Score, which is a model created by the three major credit bureaus, Equifax Inc., Experian Information Solutions, Inc., and TransUnion.

There are many different credit scores in the marketplace based on different models with different scoring ranges. The credit scores provided by My Credit Manager are for educational/informational purposes only. Viewing your credit score through My Credit Manager will not impact your credit score. My Credit Manager can only evaluate the account information that appears on your Experian consumer credit report. Accounts not reported to or subsequently deleted from your Experian consumer credit report will not be reflected in your credit score.

My Credit Manager does not maintain your credit report information and is not able to make any changes to it. Rosedale Federal and Experian are not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.

My Credit Manager has certain features that estimate how certain changes in your credit behavior may impact your credit score. These features show how these changes may impact the credit score displayed on My Credit Manager, which is the credit score described above. Simulated credit scores and credit score changes simulated by My Credit Manager are only predicted estimates. My Credit Manager and Experian do not guarantee that your actual credit score will change by the same amount, in the same way, or at all.

My Credit Manager provides you with your credit score described above, related information, and other credit report information. However, it’s important to know that, by law, you also have the right to free credit reports from or by calling 877-322-8228, which is the authorized source under federal law for free credit reports. By law, you may obtain one free credit report from each of the three national consumer reporting agencies (Experian Information Solutions, Inc., Equifax Inc., and TransUnion) during any twelve-month period. For more information, go to

If you have a Rosedale Federal loan/credit account, any Rosedale Federal account information provided to you as part of My Credit Manager is not the official record of your Rosedale Federal account or its activity. Your Rosedale Federal account statement, furnished to you by us in a paper format, or electronically if you are enrolled in paperless statements service, will remain the official record. My Credit Manager information is generally updated regularly but is subject to adjustment and correction and therefore should not be relied upon by you for taking, or forbearing to take, any action.

My Credit Manager may use your credit information, and other information that you provided prior to, at the time of or after enrollment to confirm your identity, display your credit data to you, and to offer you other Rosedale Federal products and/or services from time to time. You agree that by entering your information and continuing beyond the “I Accept” button, or by otherwise accessing or using My Credit Manager, you permit Rosedale Federal to periodically obtain your credit report to market our products and services to you.

You may terminate your service with My Credit Manager at any time by unenrolling on Rosedale Federal’s website. Your cancellation will be effective after we have a reasonable time to process it. When you cancel, it does not affect the validity of any actions taken by us prior to your cancellation or while we are processing it. We may cancel or amend the terms of the product at any time for any reason.

Except as specifically set forth herein or where the law requires a different standard, neither the bank nor Experian shall be responsible for any loss, damage or injury or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the My Credit Manager Service, access to or use of My Credit Manager, any failure of electronic or mechanical equipment/software, or any other problems you experience due to causes beyond our control. 

You understand and agree that your use of My Credit Manager is at your sole risk and that the service and all information, products and other content (including third party information, products and content) included in or accessible in/through the service, are provided on an ”as is” “where-is” and “where available” basis, and are subject to change at any time without notice to you.

You agree that the Terms of Use on our website are incorporated into these terms.