eServices

Credit Sense

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Now Live! Credit Sense & More

Staying on top of your credit has never been easier. 
Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score. 
You can do this ANYTIME and ANYWHERE and for FREE.
 

Benefits of Credit Sense

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Daily Access to your Credit Score

Daily Access to your Credit Score
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Real-Time Credit Monitoring Alerts

Real-Time Credit Monitoring Alerts
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Credit Score Simulator

Credit Score Simulator
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Personalized Credit Report

Personalized Credit Report
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Special Credit Offers

Special Credit Offers
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And More!

And More!

It is easy to get started.

You will log into mobile or online banking to use this FREE service and enroll. 


Federally insured by NCUA.

Want to learn more? Check out this short video below

Why is my credit score different in Credit Sense than the score on my loan application?

Credit Sense is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.

Credit monitoring tools like Credit Sense use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.

No scoring models are identical, but are directionally the same. If your score goes up based on your credit activity in Credit Sense, you might see an increase in the scores we pull for loan applications as well.

Why is it important to monitor my credit?

More than one-third of consumers have found at least one error on their credit report. Errors on credit reports are not uncommon, so staying up to date, reviewing your credit report is a must. Credit Sense offers a variety of benefits including a download of your credit report to review anytime, anywhere. Common errors on credit reports include personal information like a wrong name or address or account information like an account you don’t recognize. You can dispute any errors you might see right within the tool!

I already track my credit with another credit monitoring tool (Credit Karma, Credit Sesame,etc.), so why would I need to enroll in this one?

That’s great that you’re staying on top of your financial health by monitoring your credit! Credit Sense is built into the safety and security of our online banking and mobile banking platforms. Credit Sense doesn’t allow for other third-party lenders to see any of your credit profile data like some other credit monitoring tools do to allow them to provide you with offers for their products. Instead, you’ll only see valuable products and services from Lion's Share FCU so you know when you have a savings opportunity at your fingertips!

How does enrolling and pulling my credit information affect my credit?

Great news! It doesn’t affect your credit profile or score in any way! Credit Sense performs a soft inquiry when you enroll or refresh your credit profile instead of a hard inquiry like when you apply for a loan.

How is my privacy protected through this credit monitoring service?

To enroll, you first have to be logged in to our secure online banking or mobile platform. Your credit information is never shared to third parties. While you may see offers from Lion's Share FCU based on your credit profile, the credit union does not have access to your credit report from Credit Sense unless you provide us with a copy to review opportunities we may be able to help with.

Can I use this tool if I have a block or freeze placed on my credit profile?

YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.

What if I see an error on my credit report?

If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.

Ready to get started?

Find out how you can become a Member of Lion's Share Federal Credit Union and start enjoying the advantages of Membership today!