Now Live!

Your Credit Score & More.

Anytime. Anywhere.

*on desktop the credit score widget will appear in the sidebar, and on mobile the credit score will appear towards the bottom*

UB mobile and phone view of credit sense


Staying on top of your credit

has never been easier

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.

All of this without impacting your credit score.

You can do this ANYTIME and ANYWHERE and for FREE.

four phones showing credit score screens

Benefits of Credit Sense

  • Daily Access to Your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers
  • And More!

The benefits are endless, so there is no need to wait.

Daily & Secure

With Credit Sense, you can easily check your credit score and report on our mobile app and online banking. Stay informed and in control of your credit health wherever you are.

Keep an eye out for the launch of this game-changing tool that puts the power of credit management right at your fingertips.

woman on computer, glasses, smiling

Frequently Asked Questions

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 University Bank customers.

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 makes it best to show the most relevant information from a 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, but every University Bank Credit Sense user 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.

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.

University Bank uses its own lending criteria for making loan decisions.