VisionBank of Iowa

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Credit Sense - Frequently Asked Questions

Interested in joining but want to know more? If your questions are not answered below, feel free to call us at 800-574-8123 or email us at, or visit any of our  conveniently located branches to learn more. 

Q. What is Credit Sense?

A. Credit Sense is a comprehensive Credit Score program offered by VisionBank, 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 VisionBank can help save you money.

Credit Sense also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an injury has been made. Monitoring helps users keep an eye out for identity theft.

Q. What is Credit Sense Credit Report?

A. 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 of your payment history, credit utilization and public records that show up on your account. .

Q. Is there a fee?

A. No. Credit Sense is entirely free.

Q. How often is my credit score updated?

A. 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.

Q. How does the Credit Sense differ from other credit scoring offerings?

A: 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.

Q: Why do credit scores differ?

A: There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and a scoring model —FICO — 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.

Q: What if the information provided by Credit Sense appears to be wrong or inaccurate?

A: Credit Sense makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their Credit Sense Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Q: Will accessing Credit Sense show as a hard inquiry on my credit and potentially lower my credit score?

A: 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.

Q: Does Credit Sense offer credit report monitoring as well?

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

Q: Can Customers use Credit Sense on mobile devices?

A: Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.




1.Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

2.You must be the primary account holder of an eligible VisionBank consumer account with a FICO® Score available, and enrolled in VisionBank Online Banking. Eligible VisionBank consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact a Retail Banker for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier’s message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by VisionBank to make credit decisions. VisionBank looks at many factors to determine your credit options; therefore, a specific FICO® Score or VisionBank credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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