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With one powerful tool, you can access your credit score, full credit report, credit monitoring, financial tips, and education without impacting your credit score. Heartland Bank has partnered with SavvyMoney to bring you Credit Sense. This FREE credit score program always lets you know what factors affect and influence your credit score.
Accessing Credit Sense is a breeze. Simply log into your Heartland Bank account through our Online Banking or Mobile App, and you're ready to go.
You can do this ANYTIME and ANYWHERE and for FREE.
Credit Sense 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 an inquiry has been reported.
Yes, Credit Sense will monitor and send email alerts when there has been a change to your credit profile.
Credit Sense is entirely free to Heartland Bank customers.
Credit Sense 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 Sense shows 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 Heartland Bank Credit Sense users can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Sense. 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.
Heartland Bank uses its own lending criteria for making loan decisions.
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Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.
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