Know Your Credit Score
Setting goals is your first step toward achieving your dreams.
At Plains Commerce bank, your financial well-being is our number one priority.
Your credit score is more than just a number. It's a way for lenders to determine if you are eligible for a loan, the amount of the loan, the interest rate and your payment.
Gain insight on establishing or rebuilding your credit, understanding your credit score and methods of reducing debt with Credit Sense. Easy to use and already built right into Online Essentials and Mobile Banking!
About Credit Sense
- It's free!
- It's a "soft pull" on your credit report and does not affect your score
- Daily monitoring of your credit report and informs users if any big changes detected
How Do I Get My Score?
1. Log-in to your Online Essentials or Mobile Banking and click on the "Check Your Score" button*
2. Fill out a short form and answer some questions to identify yourself
3. Get your score
Track Your Score
Anytime you log-in to your Online Essentials or Mobile Banking, you can check your score. Your score will be pulled each month and you'll receive an email letting you know if your score changed that month.
Learn more about Credit Sense in this quick video series:
Take our Credit Sense service for a test drive using our helpful click-thru demo:
Try our Credit Sense service out in a test environment that mimics our actual products, step by step. You’ll learn exactly what to do when conducting live transactions.
Frequently Asked Questions
What is Credit Sense?
Credit Sense is a comprehensive Credit Score program 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 can help reduce your interest costs. With this program, you always know where you stand with your credit and how your Bank can help save you money.
What is Credit Sense Credit Report?
Credit Sense Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit file, there will be no impact to your score.
Is there a fee?
No. Credit Sense is entirely free and no credit card information is required to register.
How often is my credit score updated?
As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within online banking.
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 does Credit Sense keep my financial information secure?
Credit Sense uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
How does the Credit Sense differ from other credit scoring offerings?
Credit Sense pulls 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. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
Why do credit scores differ?
There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.
*Wireless/data charges may apply