Credit Sense

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Credit Sense

Your credit score is more than just a number – it’s a way for lenders to determine whether you are eligible for a loan, the amount of the loan, interest rate, and your payment - important information when you are planning for your future! Credit Sense helps you stay on top of your credit score and provides education to help you improve it. This valuable service is available to all PremierBank customers for free!

 

 

 

 

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24/7 FREE Access to Your Credit Score with Credit Sense!

To achieve financial success while providing the best and most up-to-date financial resources, we offer Credit Sense for all PremierBank customers. With Credit Sense, you have immediate access to your credit score anywhere, anytime using Online or Mobile Banking. This FREE program is a great resource to help you monitor your credit score. To learn more, click on the video below, or scroll down to review our Frequently Asked Questions (FAQs.)

  • CHECK YOUR SCORE
    Obtain and monitor your score anytime, anywhere.
  • IMPROVE YOUR SCORE
    Gain access to personalized tips and tools to help build your credit.
  • STAY ALERT
    Receive alerts in a timely manner. 
  • PROTECT YOURSELF
    When alerted of changes to your credit profile, you can quickly correct any errors.

Credit Sense is available to PremierBank customers through Online and Mobile banking. This is a free service that exists to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, and show you how you can improve it. PremierBank will never use Credit Sense scores in loan decisions. If you have questions about a PremierBank loan, please consult with your lender about your individual situation. 

What is Credit Sense?

A. Credit Sense is a comprehensive Credit Score program offered by PremierBank 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 PremierBank can help save you money.

Credit Sense 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, a 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.

What is Credit Sense Credit Report?

A. 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. When you check your credit file, there will be no impact on your score.

Is there a fee?

A. No. Credit Sense is entirely FREE to you as a PremierBank customer and no credit card information is required to register.

How often is my credit score updated?

A. As long as you are a regular online banking user, your credit score will be updated every month and displayed on your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within online banking.

How does the Credit Sense differ from other credit scoring offerings?

A. 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.

Why do credit scores differ?

A. There are three major credit-reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. No matter what credit bureau or credit scoring model is used, consumers generally fall into credit ranges based on their scores: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

Will PremierBank use Credit Sense to make loan decisions?

A. No, PremierBank uses its own lending criteria for making loan decisions.

Will Credit Sense share my credit score with PremierBank?

A. No, Credit Sense is a free service to help you understand your credit health and what you can do to make improvements in your score.

How does Credit Sense keep my financial information secure?

A. 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.

If PremierBank doesn't use Credit Sense to make loan decisions, why do we offer it?

A. Credit Sense can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car, or paying for college—you have a clear picture of your credit health.

What if the information provided by Credit Sense appears to be wrong or inaccurate?

A. 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 www.annualcreditreport.com 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.

There is a section on the site that features both PremierBank product offers and financial education articles. Why am I seeing this?

A. The educational articles, written by the Credit Sense team, are designed to provide helpful tips on how you can manage credit and debt wisely. The product offers that are occasionally displayed simply show current specials that we have at any given time that are available to all consumers. 

Will accessing Credit Sense 'ping' my credit and potentially lower my credit score?

A. No. Checking Credit Sense is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

Does Credit Sense offer credit report monitoring as well?

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

How do Customers change their email address or other personal information?

A. Your email address will get updated automatically in Credit Sense when you update it in online banking. 

Can Customers use Credit Sense on mobile devices?

A. Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.

Click-Thru Demo and Video Tutorial

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Questions About Credit Sense? Contact PremierBank's Personal Banking Team


If you have any questions about Credit Sense or any of our banking solutions, give us a call at the number listed below for immediate service. Or fill out the contact form with details about what you're interested in, a member of our team will contact you within one business day.


(920) 563-6616

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