CreditSense is available to the Primary account holder within Online Banking. If a joint member would like to access Credit Sense, they will need to open their own account with Credit Union 1.
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No. CreditSense is included with your access to Online Banking. Login to Online Banking as often as you'd like to check your score.
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Credit Union 1 works with a trusted third-party service provider, SavvyMoney, to deliver CreditSense to you through Online Banking. Credit Union 1 does not receive this information from SavvyMoney, therefore, no Credit Union 1 employee can see your CreditSense credit score. It is confidential and available only for you to view within Online Banking. SavvyMoney will never share your personal information with outside entities.
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The security of our members' financial information is our top priority. Credit Union 1 has partnered with a third-party, SavvyMoney, to deliver members' credit scores through CreditSense. SavvyMoney applies its own security measures to CreditSense using industry-standard security practices to protect your data.
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No. CreditSense shows your credit score from TransUnion using the VantageScore credit scoring model, which ranges from 300 - 850, along with key factors from your credit report that impact your score. The VantageScore credit scoring model was developed collaboratively by the three major credit bureaus, therefore it seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health. CreditSense does not include an actual credit report. You may request a full credit report annually at no cost from each of the three credit reporting bureaus (Experian, Equifax, and TransUnion) at www.annualcreditreport.com.
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CreditSense will automatically update your score once a month. You can update it more frequently by clicking "update" on the page that presents your score.
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No. At Credit Union 1 we have our own lending criteria, based on a full credit report, for making loan decisions and we do not have access to your CreditSense credit score.
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Should you find inaccuracies in your CreditSense account information, such as loans that aren't yours or inaccurate balances (for example), there is a link within CreditSense to file a dispute with TransUnion, the credit bureau that provides CreditSense its information. To further protect yourself from credit inaccuracies and to identify potential fraud, we recommend that you request one free credit report from each of the three credit bureaus annually at www.annualcreditreport.com. Each bureau has its own process for correcting inaccurate information. The Federal Trade Commission's website offers step-by-step instructions if you would like to contact the bureaus to correct errors.
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At Credit Union 1 we are always looking for ways to save you money. CreditSense can offer you loans or other services offered at Credit Union 1 that may be of interest to you, and could save money.
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No. CreditSense accesses your credit score as a "soft inquiry" which does not alter your score in any way.
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Yes. CreditSense offers free credit report monitoring which will alert you of certain types of changes to your credit report, including new credit accounts opened or attempted to be opened, delinquencies, bankruptcies and more.
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Please contact Credit Union 1 directly to change your email address and other information on file.
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Yes. Credit Sense is available for both mobile and tablet devices through Online Banking.
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You can disable access to your CreditSense credit score information. To disable, contact Credit Union 1 at 800.252.6950.
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