Credit Sense - Check Your Credit Score
Your credit score is more than just a number – it’s a way for lenders to determine whether you are eligible for a loan, the amount of the loan, interest rate and your payment - important stuff when you are planning for your future.
Gain insight on establishing or rebuilding your credit, understanding your credit score and methods of reducing debt. Additionally, enjoy helpful articles from SavvyMoney such as How to Become a Credit Master, Credit Score 101 and Stalk Your Credit Score.
Frequently Asked Questions
Click on each question to read the answer.
What is Credit Sense?
Credit Sense is a comprehensive Credit Score program offered by your Bank that helps you stay on top of your credit. You get your latest credit score and report, and an understanding of key factors that impact your score. With this program, you always know where you stand with your credit and how your Bank can help save you money.
What is Credit Sense Credit Report?
Credit Sense Credit Report 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. Like Credit Score, when you check your credit file, there will be no impact to your score.
Does Credit Sense offer credit report monitoring?
Yes. When a customer pulls their credit score successfully the first time, they are automatically enrolled into credit monitoring. Their file is scanned daily for key changes, and an alert is sent when a significant change is detected. TransUnion will provide the following monitoring alerts: • An account has been included in bankruptcy • An account is reported delinquent • A fraud alert has been placed on the credit file • A previously derogatory account is now current • A new account has been opened • An account in your name shows a different address • An account in your name listed a new employer • A new inquiry on the credit file • A new public record has been reported
Is there a fee?
No. Credit Sense is entirely free and no credit card information is required to register.
How often is my credit score updated?
As long as you are a regular Online Banking user, your credit score will be updated every month and displayed in your Online Banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within Online Banking.
How does Credit Sense differ from other credit scoring offerings?
Yes. Credit Sense pulls your credit profile form TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
What if the information provided by Credit Sense appears to be wrong or inaccurate?
Credit Sense may not provide all information about user accounts. We encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com to look for any incorrect information or discrepancies across all three bureaus.
Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Sense Credit Report. The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
How does Credit Sense keep financial information secure?
Credit sense uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
Can Credit Sense be used on mobile devices?
Yes. Credit Sense is available to use on mobile and tablet devices and integrated inside our mobile application.
Contact us for more information
If you have any questions, please contact your local branch or call us toll free at 888-745-2265.