As long as you are a regular online banking user, your credit score will be updated every month.

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 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. 

No. Checking Credit Sense 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. 

No. Credit Sense is a free service for our members. 

Yes. Credit Sense is available through the desktop or mobile devices.