Credit
Credit Monitoring
Follow your credit score, review a summary of your credit report and see the factors that move your score.
Score tracking
See a monthly history and the factors behind each change.
Report summary
Review accounts, inquiries and payment history in one place.
Alerts
Get notified when something in your report changes.
At a glance
- What you see
- Your score, the factors behind it and a summary of your credit report
- Score history
- Updated monthly
- Alerts
- When your report or score changes
- Your own checks
- Viewing your own score does not affect it
- Report summary
- Accounts, inquiries and payment history
- Where to look
- Credit in online banking
What moves a score
Payment history and credit utilization carry the most weight. The credit center shows both and suggests specific steps, such as paying a balance before the statement date.
- Pay every bill on time
- Keep utilization below 30%
- Avoid unnecessary new accounts
Protect your identity
Enable alerts, review your report regularly and place a freeze with the credit bureaus if you suspect misuse of your information.
- Check for accounts you do not recognize
- Use a unique password and a transfer PIN
- Report suspicious activity right away
What moves a score
Some factors matter more than others.
- Payment history, which is paying every bill on time
- Credit utilization, which is how much of your available credit you use
- The age of your accounts
- Recent applications for credit
Keep your utilization low
Credit utilization is one of the fastest factors to improve.
- Keep balances below 30% of your limits
- Pay before the statement closes so the reported balance is lower
- Avoid closing an old card you no longer use
Use credit monitoring
- 1
Open Credit
Sign in and choose Credit from the menu.
- 2
Review the factors
See what is helping and what is holding your score back.
- 3
Turn on alerts
Choose which changes you want to hear about.
- 4
Act on suggestions
Follow specific steps, such as paying a balance before the statement date.
Frequently asked questions
Quick answers about credit monitoring.
How is the score calculated?
Does checking hurt my score?
How often does it update?
What is credit utilization?
Can I dispute something on my report?
Will alerts cost me anything?
Ready to get started?
Open an account online in about ten minutes, or talk to us first. You will need your address, date of birth and an email address.