Your Credit, All in One Place
Credit Sense makes it easier to understand your credit and stay informed. Check your credit score, review your credit report, receive alerts, and explore personalized recommendations whenever you need them.
Credit Score
Check your credit score and see how it changes over time.
Credit Report
Review the information that makes up your credit profile.
Credit Monitoring
Receive alerts when changes are detected in your credit profile.
Personalized Insights
Get recommendations and information based on your credit profile.
Financial Education
Explore helpful information to better understand credit and financial health.
Credit Improvement
Discover opportunities to build healthier credit habits over time.
Frequently Asked Questions
What is Credit Sense?
Credit Sense is a resource in FOCUS and the MHFCU Mobile Banking App that can help you stay on top of your credit by providing your latest credit score and report while helping you understand key factors that impact your 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.
Does Credit Sense monitor my credit?
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 members of MHFCU.
Will using Credit Sense affect 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 Credit Sense updated?
The credit score will be updated every seven days and displayed in FOCUS online banking and the MHFCU Mobile Banking App. You can click "refresh score" as often as every day for an updated credit score.
What should I do if information in my credit report is incorrect?
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 innacuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every MHFCU Credit Sense user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Sense. Transunion will share this with the other bureaus 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 MHFCU use Credit Sense to make loan decisions?
MHFCU uses its own lending criteria for making loan decisions.
