A, My Credit Manager is a comprehensive credit score program PremierBank offers that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up-to-date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how PremierBank can help save you money.

My Credit Manager also monitors your credit report daily and notifies you by email of any significant changes, such as a new account opening, an address or employment change, a reported delinquency, or an inquiry on your credit. This monitoring helps you stay alert to potential identity theft

A. No, My Credit Manager is entirely free to you as a PremierBank customer, and no credit card information is required to register.

A. As long as you are a regular digital banking user, your credit score will be updated monthly. With 24/7 credit report access, you can keep track of inquiries, open lines of credit, and more.

A. My Credit Manager allows you to view and manage all debt in one location through your digital banking solution.

A. There are three major credit-reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. No matter what credit bureau or credit scoring model is used, consumers generally fall into credit ranges based on their scores: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

A. No, PremierBank uses its own lending criteria for making loan decisions.

A. No, My Credit Manager is a free service to help you understand your credit health and what you can do to make improvements in your score.

A. My Credit Manager uses bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

A. My Credit Manager 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.

A. My Credit Manager 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 www.annualcreditreport.com and then pursuing with each bureau individually. The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

A. No, checking My Credit Manager is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

A. Yes, My Credit Manager is available for both mobile and tablet devices and is integrated into our mobile application.