About Credit Insights
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.
BENEFITS OF CREDIT INSIGHTS:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
The benefits are endless, so there is no need to wait.
YOUR CREDIT SCORE.
DAILY. AND SECURE.
Access your credit score and report in our mobile app and online banking.
FREQUENTLY ASKED QUESTIONS
What is Credit Insights?
Credit Insights helps you stay on top of your credit by providing your latest credit score and report, and helps you understand the key factors that impact your 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 an inquiry has been reported.
Does Credit Insights offer Credit Monitoring as well?
Yes. Credit Insights will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Insights?
Credit Insights is entirely free to FirstBank Southwest customers.
Will accessing Credit Insights “ding” my credit and potentially lower my credit score?
Credit Insights is a “soft inquiry” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
How often is the credit score updated?
Your 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 Insights appears to be wrong or inaccurate?
Credit Insights organize and highlight your most relevant information, so you can understand your credit at a glance. If you think your information is wrong or inaccurate, you can obtain a free credit report at www.annualcreditreport.com and from there dispute inaccuracies with each bureau individually. Each bureau has its own process for investigating and correcting inaccurate information, but every FirstBank Southwest Credit Insights user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Insights. 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 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.
Will FirstBank Southwest use Credit Insights to make loan decisions?
FirstBank Southwest uses its own lending criteria for making loan decisions.