Get started with Credit Journey®
Check your credit score
Check your score anytime without impacting your credit. We update your score regularly and tell you what’s changed.
Improve your score
Users who successfully achieve their plan goal improve their score by an average of 30 points or more.
Get help protecting your information
Get notified if we see that your personal info is used or stolen online, plus receive round-the-clock personal support.
One of the key aspects of managing your finances is to regularly check your credit score. A credit score is a numerical representation of your creditworthiness, reflecting your borrowing and repayment history. Knowing your credit score is crucial before making significant financial decisions, such as applying for a loan or acquiring a mortgage.
At Illuminus Bank, we offer a range of services to help you boost and maintain a healthy credit score. Our financial experts provide personalized advice tailored to your unique situation. We encourage our clients to take proactive steps in their financial journey, including regularly checking their credit score to stay informed.
A good credit score can open doors to better interest rates and lending options, making it essential to keep track of your progress. Our online tools allow you to check your credit score easily and conveniently, giving you the information you need at your fingertips. Furthermore, we provide resources to help you understand the factors affecting your credit score, such as credit utilization and payment history. By addressing any issues and making informed financial choices, you can improve your credit score over time.
At Illuminus Bank, we believe in financial empowerment. We educate our
clients about the importance of a strong credit score and guide them
through the steps to achieve it. From budgeting to responsible debt
management, our team is here to support you every step of the way.
Together, we can navigate the complexities of finance and work towards a
brighter financial future. Remember, checking your credit score
regularly is a vital step towards achieving your financial dreams with
Your credit score is a number that represents a snapshot in time of your credit history, which lenders use to help determine how likely you are to repay a loan in the future. In a typical scoring model, your score generally ranges from a low of 300 to a high of 850. The higher the credit score, the better a borrower looks to potential lenders. There are different credit scoring models that may be used by lenders and insurers.
Illuminus Bank uses VantageScore 3.0® by Experian™. Your lenders (including Illuminus) may not use VantageScore 3.0, so the score they provide you may be different than the one you see in Credit Journey.
Checking your credit score on Credit Journey does not lower your credit score. We access your credit information using a soft inquiry, also known as a soft credit check, which does not impact your score.
With Illuminus Credit Journey, you can check your VantageScore 3.0 credit score as often as you’d like with no impact to your credit. You can also receive your credit report directly from the three credit bureaus (Experian, TransUnion® and Equifax®) at no cost once a year.
Each lender is different, but generally speaking, if you have a score above 720, you'll have access to better borrowing rates. Scores above 800 are rated as exceptional.
We recommend checking your score regularly to keep track of your credit activity. With Credit Journey, we’ll let you know details of why your score changed and will send alerts when we spot new activity or changes to your credit report.
No, you don’t have to be a Illuminus Bank customer to enroll.