Credit Sense

Credit Sense gives you free, secure access to your credit score, monthly updates, alerts, and tips to help you build and manage your credit.

Access In Online Banking
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Take Control of Your Credit

Stay on top of your credit score, monitor changes, and get personalized tips to improve your financial health.

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Soft Credit Check

Check your score anytime without impacting it.

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Alerts & Monthly Updates

Get notified of key changes to your credit profile.

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Score Insights

See what affects your score and how to improve it.

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Credit Report Access

View account history, inquiries, and other credit details.

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Personalized Offers

Find prequalified loans and credit options that fit your profile.

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Build Stronger Credit with the Right Tools

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Personal Finance Manager

Keep your budget on track with easy tools to monitor spending, set goals, and stay organized.

Start Managing
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Online Banking

Access your accounts, pay bills, and move money anytime from your computer.

Go Online
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Mobile Banking

Use your phone to check balances, transfer funds, and manage your accounts from anywhere.

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Fraud Protection

Stay alert with built-in monitoring and fast notifications for unusual activity.

Protect Your Accounts

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Frequently Asked Questions

What is Credit Sense?

Credit Sense is a free credit score and monitoring tool available through Lake Ridge Bank. It gives you secure access to your latest credit score and report, helps you understand the key factors affecting your credit, and alerts you to major changes—so you can stay in control and spot potential fraud.

How do I access Credit Sense?

Log in to Online Banking and click “Check Credit Score” in the Credit widget on the homepage. In the mobile app, tap “My Credit Score” in the menu. You’ll verify a few details, and then you’re in.

Is there a fee to use Credit Sense?

No. Credit Sense is completely free for Lake Ridge Bank customers.

Is Credit Sense secure?

Yes. Credit Sense uses industry-standard encryption and security measures to keep your data safe. Your personal information is never sold or shared.

Will checking Credit Sense affect my credit score?

No. It’s a soft inquiry, which means viewing your score won’t hurt your credit.
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