Free Credit Monitoring Tool | Credit Sense | Ion Bank
Laptop Screen displaying Credit Sense application

Credit Sense is a free credit monitoring tool to our customers at no cost to learn more about how financial decisions impact your credit score. Credit Sense enables you to not only conveniently access and monitor your credit score but also receive tips to improve it and ultimately save money–all through the security of iBanking.

Your Credit Score. And More. Anytime. Anywhere.

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.

You can do this ANYTIME and ANYWHERE and for FREE.

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

The benefits are endless, so there is no need to wait.

Your Credit Score. Daily. And Secure.

Access your credit score and report in our mobile app and online banking.

Log into iBanking and Get Started Today!

Credit Score Simulator

Take the guesswork out of managing your credit with our user-friendly Credit Score Simulator! Get a clear picture of your financial standing with an estimated score based on various actions, such as applying for new credit, handling your balances and managing payment history. With this valuable insight, you can make informed decisions to either boost or maintain your credit score – all without affecting the actual number. Enroll in Credit Sense today and take control of your financial future!

Credit Goals

Achieving your goal credit score is a breeze with Credit Sense! Set your ideal score goal and the timeframe in which you want to reach this number, right in iBanking or our mobile banking app! Credit Sense provides personalized recommendations and the ability to monitor your progress. You also have the flexibility to adjust your goal whenever you want and will receive notifications as you hit milestones. Enroll in Credit Sense today and start creating, tracking and accomplishing your credit score goals!

Credit Score

Credit Sense is your all-in-one credit management solution, offering free credit monitoring through our mobile banking app. Get instant access to the factors impacting your credit score and detailed recommendations. Credit Sense also offers educational resources to help demystify the credit score calculation process and valuable tips to protect your creditworthiness. Stay in the know with real-time credit monitoring alerts, unlimited access to your full credit report and tailored money-saving loan offers. Plus, you can refresh your credit score and report daily – for free! – without any impact on your score. Enroll in Credit Sense today!

Frequently Asked Questions

Is Credit Sense free?

Yes! It’s free to Ion Bank customers. It is also important to note that no credit card information is required to register.

How can I enroll in Credit Sense?

Customers can enroll through Ion Bank’s iBanking or our Mobile App. In iBanking once you log in, you will see a widget next to your account’s dashboard and just click the widget and agree to the Terms & Conditions. In the Mobile App, scroll to the bottom of the Accounts screen and click on the Credit Sense tile and then agree to the Terms & Conditions to enroll.

Can customers dispute errors on their credit report through Credit Sense?

Yes! The Start A Dispute button is at the bottom of the Credit Report page. You can file a dispute directly with TransUnion using this link.

Can customers download their credit report in Credit Sense?

Yes! On the Credit Report page, click Download Report in the top right corner. A PDF version of your full report will generate. You can choose to print or share your report electronically from there.

Can a customer unenroll from Credit Sense?

Yes. On the Resources tab, select Profile Settings, scroll to the bottom, and select Deactivate Credit Sense Account. Once unenrolled, customers could choose to re-enroll at any time through iBanking or the Mobile App.

Do customers receive alerts from Credit Sense?

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

Learn More about Credit Scores

Mobile Screen displaying Credit Sense application

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