With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education. All of this for free and without impacting your credit score.
Staying on Top of Your Credit Has Never Been Easier
ANYTIME, ANYWHERE and for FREE.
Benefits of Credit Sense:
Daily access to your credit score
Real-time credit monitoring alerts
Credit score simulator
Personalized credit report
and more!
Your Credit Score. Daily. And Secure.
Access your credit score and report within online banking or our mobile app.
Credit Sense, powered by SavvyMoney, helps you stay on top of your credit by:
Providing your latest credit score and report
Understanding key factors that impact the score
Monitoring your credit daily and informing you by email if any significant changes are detected, such as:
a new account being opened
a change in address employment, delinquency
or inquiry has been reported
How do I Enroll in Credit Sense?
To access your credit score and report:
Login to personal online banking or the mobile banking app with your username and password
Find the credit score widget and click “Show my score”
Agree to SavvyMoney’s disclosures and click “continue”
Follow the prompts and answer the questions to verify your identity
Does Credit Sense offer Credit Monitoring as well?
Yes. Credit Sense will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Sense?
Credit Sense is entirely free to Katahdin Trust customers.
Will accessing Credit Sense "ding" my credit and potentially lower my credit score?
Credit Sense is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.
How often is the credit score updated?
The credit score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" as often as every day for an updated credit score.
What if the information provided by Credit Sense appears to be wrong or inaccurate?
Credit Sense makes it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from AnnualCreditReport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Katahdin Trust user can "File a dispute" with Transunion by clicking on the "Dispute" link within Credit Sense. Transunion will share this with the other bureau if the inaccuracy is verified.
Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
Will Katahdin Trust use Credit Sense to make loan decisions?
Katahdin Trust uses its own lending criteria for making loan decisions.
Must be enrolled in Katahdin Trust's Online Banking or Mobile App to access Credit Sense. Message and data rates may apply from your wireless carrier.
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