Credit Sense with BOS

A laptop, tablet and mobile phone displaying an image of a Credit Sense screen.

Your Credit Score and More

Anytime. Anywhere.

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.

 

An illustration of a credit score odometer.

 

Check your score ANYTIME and ANYWHERE for FREE

 

  

 

Benefits of Credit Sense

  • Daily Access to Your Credit Score
  • Real time Credit Monitoring Alerts
  • Personalized Credit Report
  • Credit Score Simulator
  • And More!
Mobile phones displaying three different Credit Sense screens.

  

 

A woman in front of a laptop and holding a mobile phone. Both screens are displaying Credit Sense.

It is easy to get started.

So Enroll now.

Log into mobile or online banking.

   

Check out the BOS BankSource Blog for more information on credit scores.

  

   

Frequently Asked Questions

Is Credit Sense free?

Yes, Credit Sense is free to all BOS customers.  Just log into mobile or online banking to enroll.

How can I enroll in Credit Sense?

You can enroll through BOS online banking and mobile banking app.

Will enrolling or accessing Credit Sense 'ping’ my credit and potentially lower my score?

No. Checking credit on Credit Sense is a “soft inquiry” which does not affect your credit score.

Can I receive alerts from Credit Sense?

Yes, you can receive credit alerts, monthly notices, and general messages from Credit Sense.

How often can I refresh my credit score in Credit Sense?

Every 24 hours

How often does my score refresh if I don’t press “Refresh Score”?

Your credit score will be updated every seven days and displayed within BOS online or mobile banking.

Can I download my credit report in Credit Sense?

Yes.

Can I dispute errors on my credit report through Credit Sense?

Yes, a “Start A Dispute” button on the Credit Report page files a dispute with TransUnion.

Can the Credit Score in Credit Sense differ from other credit scoring offerings?

Yes. 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 scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.

The credit score provided by Credit Sense is intended to help you understand the factors that affect your credit score and way you may be able to save money.  It is not used for loan approval purposes, or for determining loan rates.  Loan rates and approvals are based on information provided to the bank when you apply for a loan.

What bureau does Credit Sense pull credit profiles from?

TransUnion

What scoring model does Credit Sense use?

Vantage 3.0

Can I unenroll from Credit Sense?

Yes, you may do so by going to the resources tab, selecting profile settings, and then clicking on “Deactivate Credit Score Account.”

  

 

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NOTICE OF ERROR RESOLUTION PROCEDURES

You may have certain rights under Federal Law related to resolving loan servicing errors and requesting information about your account. You may learn more about these rights by contacting BOS at 877-698-3278. A written notice of potential loan servicing errors must be asserted to Bank of Springfield, P.O. Box 19301, Springfield, IL 62794-9301. The written notice is required to include the name of the borrower, account number, and description of the error believed to have occurred.

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