Stay On Top of Your Credit Anytime, Anywhere
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips and education. Credit Sense is completely free to use and will NOT impact your credit score.
- Daily access to your credit score
- Real-time credit monitoring alerts
- Credit score simulator
- Personalized credit report
- Special credit offers
- And more
Frequently Asked Questions
What is Credit Sense?
Credit Sense can help 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.
Will accessing Credit Sense “ding” my credit and potentially lower my credit score?
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.
How often is the credit score updated?
The credit score will be refreshed monthly and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
What if the information provided by Credit Sense appears to be wrong or inaccurate?
If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually (Transunion, Equifax and Experian).
Each credit bureau has its process for correcting inaccurate information, but every Minster Bank customer can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Sense. Transunion will share this with the other bureaus if the inaccuracy is verified.