Managing your credit is a vital part of financial wellness, whether planning to buy a home, lease a car, rent an apartment, or simply safeguard your future. First Reliance Bank’s My Credit Score tool, available inside its secure online and mobile banking platforms, offers you seamless access to your credit profile without any fees or impact to your score.
Real-Time Credit Access Made Simple
Once you enroll in My Credit Score through First Reliance’s online banking or mobile app, you can:
- View your latest credit score. It’s updated every 7 days (and refreshed on demand).
- Monitor your score daily in a completely secure environment and receive email alerts if significant changes occur, such as a new account, address change, employment update, delinquency, or inquiry.
With our online My Credit Score Tool, your credit score is completely unaffected. This tool uses a soft inquiry, which never harms your credit rating, unlike a hard credit inquiry which can temporarily lower your credit score.
More Than Just a Number: Credit Education & Simulations
My Credit Score isn’t limited to reporting; it also includes:
- Educational resources that explain how credit scoring works and what influences your rating.
- A credit simulator that lets you visualize how possible actions (i.e.paying down balances or opening a new account) might affect your credit before you act.
Plus, you can define credit goals and develop an action plan tailored to improving and maintaining healthy credit over time.
Integrated Tools for Financial Confidence
First Reliance goes beyond credit monitoring by offering integrated financial management tools:
- Budgeting and savings features help you track spending, set limits, and save smarter.
- The ability to set alerts and receive personalized notifications empowers you to stay on track and remain secure.
These services are woven into a comprehensive digital banking experience, eliminating the need for separate apps or logins.
Credit Health Impacts Real Life
Your credit score influences interest rates, loan approvals, insurance premiums, rental applications, and even hiring decisions. With My Credit Score, First Reliance helps you monitor your rating but also understand how to improve it intentionally.
Getting Started
- Log in to your First Reliance online banking or mobile app.
- Enroll in My Credit Score (100% free and soft-pull only).
- Access your score, credit insights, goals, and learning resources, all securely in one place.
There’s no cost, no impact on your rating, and no third-party app required.
Take Charge of Your Financial Future
With First Reliance Bank’s My Credit Score tool, you have everything you need to take control of your credit and build toward your goals. From powerful insights and goal tracking to intuitive simulations and financial wellness features, it’s an all-in-one resource tailored to helping you thrive.
Ready to start? Log in to your account today and begin your journey toward better credit and smarter financial decisions.
