What is Credit Sense?
Credit Sense is a comprehensive Credit Score program offered by your Bank, 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… Continue Reading →
What is Credit Sense Credit Report?
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… Continue Reading →
Can Customers use Credit Sense on mobile devices?
Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.
How do Customers change their email address or other personal information?
If you access Credit Sense program through your online banking, you have to do nothing! Your email address will get updated automatically in Credit Sense when you update it in online banking. However, we always encourage you to inform your financial institution of any contact information updates. If you signed up with Credit Sense from… Continue Reading →
Does Credit Sense offer credit report monitoring as well?
Yes. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.
Will accessing Credit Sense ‘ping’ my credit and potentially lower my credit score?
No. Checking Credit Sense is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.
There is a section on the site that features both ROME FEDERAL CREDIT UNION Bank product offers and financial education articles. Why am I seeing this?
Based on your Credit Sense information, you may receive ROME FEDERAL CREDIT UNION Bank offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the Credit Sense team, are designed to… Continue Reading →
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 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… Continue Reading →
If the Bank doesn’t use Credit Sense to make loan decisions, why do we offer it?
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 and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on… Continue Reading →
How does Credit Sense keep my financial information secure?
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.
