Due to a system upgrade Online and Mobile Banking will be unavailable the evening of Friday, April 19th through the morning of Monday, April 22nd.
A good credit score can help you when you apply for a new credit card, get a mortgage or take out a personal loan. We’ve made it easy by offering a free service called Credit Sense that tracks your credit score and can help you improve it.
The tools available through Credit Sense are integrated into your First National Bank Bemidji account.
Online Banking:
Mobile Banking App:
Credit Sense is a comprehensive credit score program offered by First National Bank Bemidji that helps you stay on top of your credit. You get your latest credit score and report, get 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 First National Bank Bemidji can help save you money.
The Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. There will be no impact to your credit score when you review the Credit Report within Credit Sense.
No. Credit Sense is entirely free and no credit card information is required to register.
As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within Online Banking.
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 do fall into specific credit ranges:
Credit Sense is a free service to help you understand your credit health, make improvements in your score and save money on your loans with First National Bank Bemidji. While your specific score is not shared, credit score range data may be used for marketing purposes by First National Bank Bemidji only.
Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.
