Credit Sense: Monitor your Credit
Our newest service called Credit Sense is now live! You can now follow your credit score on your Online or Mobile Banking - 24/7.*
Stay Up-To-Date and Secure
Your credit score is more than just a number - it's a way for lenders to determine whether you are eligible for a loan, the amount of the loan, interest rate and your payment - important stuff when you are planning for your future.
Access your credit score along with personalized tips on how to improve or maintain an already great score. It's built right into your already easy-to-use Online and Mobile Banking App, so you won't need a new login.
RECEIVE MONITORING ALERTS | IDENTIFY CREDIT BUREAU ERRORS
SEE BEST RATES AVAILABLE FOR YOU BASED ON YOUR SCORE!
About Credit Sense
- It's Free!
- It's a "soft pull" on your credit report and does not affect your score
How Do I Get My Score?
- It's Easy!
- Log in to your Online or Mobile Banking and click on the "Check Your Score" button
- You'll fill out a short form and answer some questions to identify yourself
- You get your score!
Track Your Score Each Month
Anytime you log into your Online or Mobile Banking you can check your score. Your score will be pulled each month and you'll receive an email letting you know if your score changed that month.
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How To Improve your Credit Score
Our new credit score tool will help you learn more about improving your score. This beneficial tool also has a section of advice and information from financial experts.
A few tips to get you started:
- Pull your credit reports
- Pay your bills on time
- Don't carry debt
- Hang onto old cards
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Credit Sense FAQS
Credit Sense, available in your Online or Mobile Banking App, is a free service offered to help your understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money.
What is Credit Sense?
Credit Sense is a comprehensive Credit Score program that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that could help you save.
Credit Sense also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.
Is there a fee?
No. Credit Sense is entirely free and no credit card information is required to register.
How often is my credit score updated?
As long as you are a regular First National Bank Online or Mobile Banking User your credit score will be updated every month and displayed in your mobile app. You can click "refresh score" as frequently as every day by navigating to the detailed Credit Sense site from within the mobile app.