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Staying on top of your credit has never been easier.


With one powerful tool, 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:

  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers
  • And More!

 

 

 

Your Credit Score. Daily. And Secure.

Access your credit score and report with Credit Sense—available in the Sturgis Bank mobile app and online banking.

Login Now

 

 

 

Frequently Asked Questions

 

Credit Sense helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs 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.

Yes. Credit Sense will monitor and send email alerts when there has been a change to your credit profile.

Credit Sense is entirely free to Sturgis Bank customers.

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.

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.

Credit Sense shows 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 www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Sturgis Bank Credit Sense user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

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.

No. Sturgis Bank uses its own lending criteria for making loan decisions.