Credit Score
Stay On Top of Your Credit
See your credit report, get real-time monitoring, financial tips and more with First PREMIER’s free online and mobile Credit Score tool. Understanding your credit and what impacts it can help you make informed financial decisions. Credit Score from First PREMIER is free and won’t affect your credit rating. Enroll by logging into your online or mobile banking.
Why Enroll in Credit Score
- Free access to your credit score and report1
- Look for any inaccuracies
- See new credit inquiries
- Monitor for early signs of potential identity theft
- Get email alerts of significant changes
- Personalized action plan and credit score goals
- Financial education and tips
Your Credit Score. Anytime. Anywhere.
Your credit report is an indicator of overall financial well-being. Understanding your score, what impacts it and how to improve it can be daunting. But with a resource like Credit Score, you get education and a powerful, secure digital tool in the palm of your hand - for free! Enroll in Credit Score by logging into your online banking or by using our mobile app.
Frequently Asked Questions
What is Credit Score?
Credit Score helps you stay on top of your credit by providing your latest credit score and report. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Does Credit Score offer Credit Monitoring?
Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score?
Credit Score is entirely free to First PREMIER Bank customers. Enroll through online and mobile banking.
Will accessing Credit Score "ding" my credit and potentially lower my score?
Credit Score is a "soft inquiry" which does not affect your credit score. Lender's use "hard inquiries" to make decisions about creditworthiness when you apply for loans.
Will First PREMIER Bank use Credit Score to make loan decisions?
No. First PREMIER Bank utilizes additional credit and financial criteria for making lending decisions. Your credit score is not a guarantee or approval of a loan.
Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit factors may be considered when calculating a score, and each model may weight credit factors differently, so no scoring model is identical.
How often is Credit Score updated?
Credit Score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" once per day for an updated credit score.
What if the information provided by Credit Score appears to be inaccurate?
Credit Score does it's best to show the most relevant information from a credit report. If you think some information is inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every First PREMIER Bank Credit Score user can "File a Dispute" with TransUnion by clicking on the "Dispute" link within Credit Score. Transunion will share this information with the other bureaus if the inaccuracy is verified.
Disclosure
{1} The credit score provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with First PREMIER Bank loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the bank when you apply for a loan. The credit score found in the credit report may be different than the credit score used by a financial institution. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.
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