Credit Sense helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

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

Credit Sense is entirely free to Centricity Credit Union consumers.

Credit Sense is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score

Credit Sense displays the most relevant information from your credit report. If you believe any information is incorrect or inaccurate, you can obtain a free copy of your credit report from AnnualCreditReport.com and dispute the information directly with the appropriate credit bureau.

Centricity Credit Union members can also file a dispute with TransUnion directly through Credit Sense by clicking the “Dispute” link. If the disputed information is verified as inaccurate, TransUnion will share the correction with the other credit bureaus as appropriate.

Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating.

Centricity Credit Union uses its own lending criteria for making loan decisions.