Credit Sense

Your Credit Score and a Whole Lot More

Your credit score is key to everything from renting an apartment to buying a home or car – or even getting that great job. Know your score and work to improve it easily using Credit Sense. Conveniently access and monitor your credit score in just a few taps. Checking your credit score through Credit Sense is a “soft inquiry” and does not affect your score. 

Credit Sense gives you instant access to your credit score every time you log into your online account access. And, there's even more to Credit Sense:

  • Check your credit score as often as you like
  • Get credit score alerts, notifying you of changes
  • Find explanations of how your credit score is calculated
  • Access education tools on how to improve weak areas in your credit score
  • Explore pre-qualified offers and savings opportunities


Access Your Credit Score through Online and Mobile Banking

From the Online Banking home page, simply click on the “Check Credit Score” button within the Credit widget on the right side of the page. In Mobile Banking, click on “My Credit Score” found in the navigation menu.


Reference our frequently asked online banking questions below. Still need help? Reach out to us online or chat us.

Credit Sense makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. 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. However, the Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

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.

There are three major credit-reporting bureaus—Equifax, Experian, and TransUnion – and two scoring models – FICO or VantageScore – that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad below 500.

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. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.

Yes, you can. Credit Sense can still be used when you have a security freeze on your credit report.

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 we offer to our customers.

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.

Enrolling in Credit Sense is quick and easy. To get started, login to Lake Ridge Bank Personal Banking, from the online banking home page simply click on the “Check Credit Score” button within the Credit widget on the right side of the page. In Mobile Banking, click on “My Credit Score” found in the menu after logging in. You’ll be asked to verify some information – and in just a few minutes, you’ll be in!

Credit Sense is a comprehensive Credit Score program offered by Lake Ridge Bank, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs.

With this program, you always know where you stand with your credit and how Lake Ridge Bank can help save you money. Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected, such as: a new account being opened, change in address or employment, a delinquency has been reported, or an injury has been made. Monitoring helps users keep an eye out for identity theft.

Click Here to View Credit Sense Demo