CREDIT SENSE FAQs
Credit Sense, available in Online Banking and the Mobile App, is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see way you can save money.
What is Credit Sense?
Credit Sense is a comprehensive credit score program offered by Pioneer Trust 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 could help you save.
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 delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.
With Credit Sense, you always know where you stand with your credit.
Is there a fee?
No. Credit Sense is entirely free and no credit card information is required to register.
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.
How often is my credit score updated?
As long as you are a regular online banking or mobile app user, your credit score will be updated every month and displayed. You can click “refresh score” as frequently as every day.