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With Credit Sense, available in our online banking and mobile app, you'll get access to personalized tools and guidance to support your financial well-being.
Benefits of Credit Sense
- Credit score and report*: Daily access to your credit score and report.
- Credit monitoring: Receive email alerts when changes occur to your credit profile, keeping you informed of potential errors or fraud.
- Credit goals: Set your score goal, track your progress, and receive tips to help you achieve it.
- Score Simulator: See how different financial actions impact your score without affecting it.
- Financial checkup: Get a detailed budget breakdown with tips to manage your money more effectively.
- And more!
Sign up is free and easy
Online banking
Log in to online banking (top right), select the credit score widget, agree to the terms of agreement.
Not enrolled in online banking? Visit our online banking page for details and to sign up.
Mobile app
Log in to mobile banking, select the "dashboards" header, click on the credit score widget, and agree to the terms of agreement.
Don't have the mobile app? Use these buttons (right) to download it.
Credit sense Faqs
Is there a fee for Credit Sense?
Credit Sense is entirely free to First Security Bank customers.
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 updated every seven days and will be 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?
Credit Sense makes its best effort to show you the most relevant information from your credit report. 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. Each bureau has its process for correcting inaccurate information.
Every First Security customer who utilizes Credit Sense can also "file a dispute" with Transunion by clicking the "Dispute" link within Credit Sense. Transunion will share this with the other credit bureaus if the inaccuracy is verified.
Why do credit scores differ?
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 a score, and each model may weigh credit factors differently, so no scoring model is identical.
Will First Security use Credit Sense to make loan decisions?
First Security uses its own lending criteria for making loan decisions.