Credit Score & Insights

Keeping tabs on your credit score is one important way to stay informed about your financial well-being. By doing so, you are ready to take positive action to maintain or improve your financial health.

Credit scores – three little numbers that can have a big impact on your financial life. That’s because the better your credit score, the more likely you’ll qualify for better interest rates for different lending products. And the better your rate, the less you’ll pay in interest over the life of your loan, saving you hundreds, even thousands of dollars.

Now checking on your credit score is as easy as checking your account balance. See your credit score right in ESL Online and Mobile Banking with just a few clicks or taps.

Easy to Use

  • Log in to ESL Mobile and Online Banking and see your credit score at any time.
  • It’s free and easy to use.
  • Your score is updated monthly so you can see how it’s impacted by changes in your financial activities.
  • Insights based on your own credit history are provided to help you understand what factors affect your score. These tips offer ways to maintain or improve your score.

Easy to Enroll

  • Once you’ve logged in to either ESL Mobile or Online Banking, navigate to the right spot, accept our Terms & Conditions to see your Credit Score and Insights at any time:
    • In Mobile Banking, tap the “More” menu, then tap “Credit Score & Insights”
    • In Online Banking select the “I’d Like To” drop down menu and then select “Credit Score & Insights”

Credit Score Alerts

Enrolling in Credit Score Alerts can keep you better informed about credit reporting activities, so you can act quickly to address issues (like potential fraud) or improve your credit score.

Here are a few examples of the kinds of triggers we’ll send Credit Score Alerts for:

  • A new account was opened in your name
  • Address changes to your credit report
  • A new “hard pull” was made to your credit report
  • A creditor has added a new note to your account
  • Your credit report has been updated

Opting in is easy! Log in to Mobile or Online Banking, navigate to Credit Scores and Insights, and click or tap on the Alerts / Bell Icon to enroll to receive alerts by text1 or email.

Questions? We have answers:

Credit information is supplied directly from Equifax and updated monthly on the date you enroll.

  • Example: if you enroll on April 18, your credit score and associated insights will be updated on the 18th day of each month following.
  • Example: if you enroll on May 31, your credit score and associated insights will be updated on the last day of each month following.

It is unlikely that a user’s credit score will be the same when pulled from different sources. Each credit scoring model has its own formula that may consider different factors of your credit report. For example, when you apply for a credit product, the lender may be looking at different credit factors to make a lending decision and therefore may be leveraging a different scoring model.

  • Additionally, there are three different credit bureaus (Equifax, Trans Union, and Experian) and not all lenders report to all three. This difference in reporting can result in each of the three credit bureaus having slightly different credit report information and you may see different scores as a result.
  • The ESL Credit Score & Insights solution receives your credit information directly from Equifax and leverages the VantageScore® 3.0 scoring model.

No, any member with a credit history will be able to enjoy the benefits of this solution, regardless of whether you have a credit product with ESL or not!

No, because the monthly update is coded as a “soft pull,” and has no impact on your credit score or associated insights.

The credit information we provide comes directly from Equifax; you should contact them to address any information you’d like to dispute. You can find their contact information at the bottom of the Credit Score and Insights page.

1: Message and data rates may apply.