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Your Credit Score At Your Fingertips!

Credit Sense is here! It’s another powerful tool that helps you manage and stay on top of your credit score.

With Credit Sense, you have instant access to your credit score and credit report through your PA Central Virtual Branch online banking and Mobile App. You can see personalized tips on how to improve or maintain your score. Login to online banking to see your score today!

With Credit Sense, you can access your credit score, full credit report, and monitor your credit. You can do this ANYTIME and ANYWHERE and it’s FREE.

What are the benefits of Credit Sense?
• Daily Access to your Credit Score
• Real-Time Credit Monitoring Alerts
• Credit Score Simulator
• Personalized Credit Report

Virtual Branch Users: Click on “Your Credit Score” on the Accounts page.
Mobile App Users: Click on the “My Credit Score” link on the Accounts page or More page.

Mobile App displaying Credit Sense Image
Enroll in Credit Sense through PA Central FCU’s Virtual Branch Online Banking or on our Mobile App

Credit Sense FAQs

What is Credit Sense?

Credit Sense is a comprehensive Credit Score program offered as part of Virtual Branch Online Banking. You get your latest credit score and report, and an understanding of key factors that impact the score.

Credit Sense 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 reported delinquency, or if an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Credit Sense differs from other credit score services by pulling 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.

Is there a Fee?

No. Credit Sense is free to PA Central Members. No credit card information is required to register.

How often is my credit score updated?

As long as you are a regular Virtual Branch Online Banking user, your credit score will be updated every month and displayed in your online banking screen or on your mobile app. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within online banking.

Will using 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.