Introducing Credit Score
STAYING ON TOP OF YOUR CREDIT
HAS NEVER BEEN EASIER.
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.
All of this without impacting your credit score.
You can do this ANYTIME and ANYWHERE and for FREE.
HOW DO I GET MY CREDIT SCORE?
It's easy! Just follow these simple steps.
1. Log in to your Online Banking or Mobile Banking and click on the "Show my Score" button
2. Review and accept the Credit Score Disclosure and Terms and Conditions
3. Get your score!
*Must be at least 18 years of age
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 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, deliquency, or an inquiry has been reported.
Does Credit Score offer Credit Monitoring as well?
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 Citizens First Bank consumers.
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 loans.
How often is the credit score updated?
The credit score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" as often as every day for an updated credit score.
What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score does its best to show you 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 Citizens First Bank Credit Score user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score. Transunion will share this with the other bureaus if the inaccuracy is verified.
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 report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
Will Citizens First Bank use Credit Score to make loan decisions?
Citizens First Bank uses its own lending criteria for making loan decisions.