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Protect and manage your credit with Credit Sense

What is Credit Sense?

Built right into online banking, Credit Sense is a FREE comprehensive Credit Score program offered by White River Credit Union.

  • Get your latest credit score and report and an understanding of key factors that impact the score
  • See the most up-to-date offers that can help reduce your interest costs
  • Know where you stand with your credit and how White River CU can help save you money
  • Daily credit monitoring and alerts

How it works

Your credit score and credit report are waiting for you. Log in to Online Banking through your desktop or mobile device and check your credit score today. 

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FAQs

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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.

How does Credit Sense differ from other credit scoring offerings?

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.

Is it 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. 

Will accessing Credit Sense ‘ping’ my credit and potentially lower my credit score?

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. 

Is there a fee?

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

Can I access Credit Sense through my mobile device?

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

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