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

Log In to Access Credit Sense

Frequently Asked Questions

Will checking Credit Sense affect my credit score?

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

Can I use Credit Sense if I have a credit freeze?

Yes. You can still enroll and view your score even if you have a security freeze on your credit file.

What’s included in my Credit Sense credit report?

You’ll see open loans and accounts, payment history, credit utilization, public records, and credit inquiries—just like a traditional credit file. Viewing your report does not impact your score.

Does Credit Sense monitor my credit report?

Yes. It sends real-time alerts when there are major changes to your credit profile, like a new account, address change, or missed payment.

What if something in my Credit Sense report looks wrong?

Start by reviewing your free credit report at annualcreditreport.com. You can also click “Dispute” directly in your Credit Sense credit report or follow the FTC’s step-by-step guidance to contact the credit bureaus.
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