Credit Score Monitoring

A smart solution to manage your financial future. With Liberty Bank's credit score tools, you can:
  • Access your real-time credit score
  • Download your full credit report
  • Spot potential errors on your credit report instantly 
  • Receive personalized money saving offers and customized content to help you make the right moves with confidence 

Demo: View Your Credit Score

With our interactive demo, learn how to view your credit score and download your credit report.

FAQ

Liberty Bank's credit score tools help you stay on top of your credit by providing your latest credit score and report to assist you in understanding 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 inquiry has been reported.

No. This service is free to Liberty Bank customers.

No. Our credit score tools use a "soft inquiry," which does not affect your credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

Your credit score will be automatically updated every seven days and displayed in Digital Banking. You can click "refresh score" as often as every day for an updated credit score.

If you think any information is inaccurate, you can obtain a free credit report from annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but you can file a dispute with TransUnion by clicking on the "Start a Dispute" button within the Credit Report tab of your Liberty Digital Banking account. TransUnion will share this with 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.

No. Liberty Bank uses its own lending criteria for making loan decisions.

Yes! To deactivate your credit score services:

  • Log into your Online Banking account on the full desktop site
  • Access Financial Planning > Credit Score
  • Click Resources
  • Scroll to the bottom and click Deactivate Credit Score Account

Ready to get started?