Summit Credit Navigator
Watch your credit without paying for it
Free score tracking, daily monitoring, alerts when something changes, and a simulator that shows what a decision would do before you make it. Included with membership at no cost.
What Navigator gives you
Everything below is on by default once you enable it in online banking or the Summit app.
Score tracking
Your VantageScore 3.0 from TransUnion, refreshed daily, with a twenty-four month history so you can see the trend rather than a single number.
Daily monitoring
We watch for new accounts, new inquiries, changes in balances or limits, address changes, and public records tied to your file.
Alerts that reach you
Push, email, or text within hours of a change, not at the end of the month. Alerts include what changed and a one-tap path to dispute it if it is not yours.
What-if simulator
Model paying off a card, opening a loan, closing an old account, or letting a balance ride, and see the estimated effect on your score before you commit.
Factor breakdown
The five things moving your score, each marked as helping or hurting, with the specific accounts behind them named rather than described in general terms.
No effect on your score
Checking your own credit through Navigator is a soft inquiry. You can look every day for a year and it will never cost you a point.
Score, not report
How this differs from a credit report
A credit report is the full file a bureau holds on you: every account, every inquiry, every address. A score is a three-digit summary of that file. Navigator shows you the score daily and flags report-level changes, but it is not a substitute for reading the report itself.
Navigator next to the alternatives
Members routinely pay for services that do less than what is already included here.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Common questions
Does checking my score in Navigator hurt it?
No. Looking at your own credit is a soft inquiry and is never visible to lenders or factored into your score. Only applications you submit create hard inquiries.
Why is my Navigator score different from the one my lender quoted?
Navigator shows VantageScore 3.0 from TransUnion. Many lenders use a FICO model, sometimes an industry-specific version, pulled from a different bureau. A thirty-point gap between models is ordinary.
Is the simulator a promise?
It is an estimate. The simulator uses the same factors the model weighs, but your real score also depends on timing and on what other creditors report that month.
Navigator flagged an account I do not recognize. What now?
Open the alert and use the dispute link, which takes you to the bureau's form with the account details prefilled. Then call our fraud line at 800-555-0142 so we can review your Summit accounts as well.
Does Summit see my score when I apply for a loan?
When you apply, we pull a score for that decision, as any lender does. Enabling Navigator does not give underwriters extra access, and turning it off does not affect an application.
Can I turn it off?
Yes, from Settings in online banking or the app. Monitoring stops immediately, alerts end, and your score history is deleted within thirty days.
Switch it on in two taps
Navigator lives in online banking and the Summit app. Enabling it takes a moment and costs nothing, now or later.