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Frequently Asked Questions

Is there a fee?

No. Credit Insights is entirely free and no credit card information is required to register.

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What if the information provided by Credit Insights appears to be wrong or inaccurate?

Credit Insights 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.

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Will accessing Credit Insights ‘ping’ my credit and potentially lower my credit score?

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

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Why do credit scores differ?

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh...

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Can people use Credit Insights on mobile devices?

Yes, Credit Insights is available for both mobile and tablet devices and is integrated inside our mobile application.

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Will Kohler Credit Union use Credit Insights to make loan decisions?

No, Kohler Credit Union uses its own lending criteria for making loan.

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What is Credit Insights – Credit Score?

Credit Insights is a comprehensive Credit Score program offered by Kohler Credit Union, 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...

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What is Credit Insights- Credit Report?

Credit Insights 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.

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There is a section on the site that features both Kohler Credit Union product offers and financial education articles. Why am I seeing this?

Based on your Credit Insights - Credit Score information, you may receive Kohler Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have.

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How often is my credit score updated?

As long as you are a regular digital banking user, your credit score will be updated every month and displayed in your digital banking screen. You can click “refresh score” as frequently as once every 24hrs by navigating to the detailed Credit Insights site from within digital banking.

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