Credit Score
Staying on top of your credit has never been easier.
By signing up for Credit Score, you can better manage your credit, at no cost to you. Credit Score can help you improve your financial health with tools, resources, and alerts personalized to you. With one powerful tool, access your credit score, full credit report, credit monitoring, alerts, financial tips, and education right in Insight's digital banking 24/7, without impacting your credit score.
With Credit Score you can...
Get to Know Your Credit Score
Your credit report provides insight into how lenders and others see you. Checking your report regularly is a great idea to protect against identity theft and ensure your information is correct.
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Try Out the Score Simulator
You no longer have to guess how certain financial decisions may impact your credit. With Score Simulator, you can see how your score may change if you pay off a loan or apply for a new credit card.
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Boost Your Credit with Goals
Your financial situation is unique so a one-size-fits-all program just won't cut it. Credit Score Goals is a custom tool that provides personalized action steps based on your credit profile to help you achieve your financial goals.
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Your Credit Score. Daily. And Secure.
Access your credit score and report in our mobile app and digital banking.
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Frequently Ask Questions
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What is Credit Score?
Credit Score helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. 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.
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Does Credit Score offer Credit Monitoring as well?
Yes. Credit Score will monitor and send email alerts when there has been a chance to your credit profile.
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Is there a fee for Credit Score?
No. Credit Score is free to Insight Credit Union members.
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Will accessing Credit Score "ding" my credit and potentially lower my credit score?
Credit Score is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for a loan.
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How often is credit score updated?
The credit score will be updated every seven days and be displayed in digital banking.
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What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score shows the most relevant information from a credit report. If you think some information is wrong or 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 Insight Credit Score user can file a dispute with Transunion by clicking on "Start a Dispute" within Credit Score.
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Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
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