Will Credit Sense share my credit score with ROME FEDERAL CREDIT UNION Bank?
No, Credit Sense is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with ROME FEDERAL CREDIT UNION Bank.
Will ROME FEDERAL CREDIT UNION Bank use Credit Sense to make loan decisions?
No, ROME FEDERAL CREDIT UNION Bank uses its own lending criteria for making loan.
Why do credit scores differ?
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… Continue Reading →
How does the Credit Sense differ from other credit scoring offerings?
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… Continue Reading →
How often is my credit score updated?
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.
Is there a fee?
No. Credit Sense is entirely free and no credit card information is required to register.
