We’re making it easier than ever to monitor your credit score.
You can now enroll in Credit Sense directly inside your online banking account.

With Credit Sense you can:

Get instant access to your credit score and report.

Receive daily credit monitoring with alerts for major changes.

Identify and correct credit bureau errors.

Understand the factors that impact your score.

How to get your credit score

  1. Log into online or mobile banking and click on the Show my Score on your dashboard.
  2. Review the disclosure, check the box to agree and click continue.
  3. See your score.

See the progress you are making with daily updates on your credit score. Check your updated score as many times as you’d like without worrying about affecting your score.

Credit Sense is a comprehensive Credit Score program offered by Rhode Island Credit Union to online banking users 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 Rhode Island Credit Union can help save you money. Credit Score 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, 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.
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. Like Credit Score, when you check your credit file, there will be no impact to your score.
No. Credit Sense is entirely free. Log in as often as you want to check your score, which is updated monthly.
No. When you check Credit Sense in Access 24, it is a “soft inquiry,” which does not affect credit scores. A “hard inquiry” is what appears in a credit report. Hard inquiries are used by lenders when members apply for loans to make decisions about their creditworthiness. Too many hard inquiries may lower a credit score.
As long as you are a regular online banking user, your credit score will be updated every month and displayed in 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.
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.
There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.
No, Rhode Island Credit Union uses its own lending criteria for making loan.
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Watch and learn more about managing
and monitoring your credit score.

 

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All branches will be closed on Wednesday, June 19, 2024 in observance of Freedom Day.