Credit Insights
Check Your Credit Score Daily
You can check your credit score each time you log into your mobile app! This free service allows you to check your credit score, view your credit report, and get up-to-date credit monitoring notifications all within one click.
Track Your Financial Health with Credit Insights
• Pull your updated credit score every 24 hours!
• Set long-term goals like buying a home or saving for vacation
• Learn simple actions you can take to improve your credit.
Get started today, activate Credit Insights in the FNB mobile banking app.
Need to Improve Your Score?
Errors on your credit report can negatively affect your score and ability to get a loan, rent an apartment, and even get a job. Credit Insights shows you what affects your score, how you can save money, and how you can build or repair your credit. The best ways to improve are to:
Pay bills on time
Use less than 30% of your available credit
Monitor your credit report
Frequently Asked Questions
What is Credit Insights?
Credit Insights is a free service offered to FNB customers that shows your latest credit score, gives you an understanding of the key factors that impact your score, and shows you the latest offers that can help reduce your interest costs. With this new program, you’ll always know where you stand with your credit and learn how FNB can help you save money.
Is there a fee?
No, Credit Insights is entirely free, and no credit card information is required to register.
What’s the difference between Credit Insights and other credit scoring offerings?
Credit Insights pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the bureaus to provide consumers a better picture of their credit health.
What if the information provided by Credit Insights appears to be wrong or inaccurate?
Credit Insights makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from AnnualCreditReport.com, and then pursuing action with each bureau individually.
What do I get from Credit Insights?
You’ll receive monthly updates of your credit score. Plus:
• Access to your full credit report
• Credit monitoring alerts
• Tips to improve your credit
• Learn how you can save money on new loans and existing loans from other financial institutions.
Why is FNB offering this free service?
Credit Insights is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car, or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on new and existing loans with FNB.
Will accessing Credit Insights ‘ping’ my credit and potentially lower my score?
No. Checking Credit Insights is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.
Will FNB honor my score in Credit Insights for loan applications?
FNB does not make credit decisions based on your Credit Insights score. Credit Insights is provided to help you manage your own credit score. We are still required to obtain a credit report from the credit bureaus when a loan application is submitted.
What’s Your Credit Score?
Activate Credit Insights in the FNB app!
(817) 573-2655