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.

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.

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

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

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.

Credit Sense pulls your credit profile from 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.

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.

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.

Yes. Credit Sense is available to use on mobile and tablet devices and integrated inside our mobile application.