Credit Score

Credit Score helps you stay on top of your credit by providing your latest credit score and report and helping you understand 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, or a change in address, employment, delinquency, or inquiry has been been reported.

Credit Score is free for Point Breeze online and mobile banking users. Simply login to get started.

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.

Your credit score will be updated every seven days and displayed in online and mobile banking. You can click "refresh score" as often as every day for an updated credit score.

Credit Score attempts to show 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 own process for correcting inaccurate information, but every Point Breeze 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.

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.