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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 for FREE within DeWitt Savings Bank’s online banking and mobile app.
More Than a Score
Credit Score - Access to your credit score and the factors that influence it
Credit Report - Full Credit Report with the ability to download your credit report
Credit Score Action Plan - Detailed Action Plan with personalized recommendations to improve score
Financial Education - Personalized financial tips and access to financial wellness blogs
Credit Monitoring Alerts - Real-time credit monitoring alerts when there is a change to your credit profile
Credit Score Goals - Set a credit score goal, receive personalized recommendations, and monitor your progress
Score Simulator - Simulate how various financial actions impact your credit score
Personalized Offers - Access personalized money-saving offers from DeWitt Savings Bank
Frequently Asked Questions
Credit Insights 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, delinquency, or inquiry has been reported.
Yes. Credit Insights will monitor and send email alerts when there has been a change to your credit profile.
Credit Insights is entirely free to DeWitt Savings Bank customers.
Credit Insights 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.
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.
Credit Insights makes it best 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 process for correcting inaccurate information, but every DeWitt Savings Bank Credit Insights 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.
DeWitt Savings Bank uses its own lending criteria for making loan decisions.