Michigan Educational CU Go to main content
Home > Online Services > Credit Sense

Credit Sense

Monitor Your Credit Score For FREE From Internet Home Banking And Our Mobile App!

With Credit Sense, you’ll get your latest credit score and report, an understanding of key factors that impact the score, and the most up-to-date offers that could help you save money. You can check your credit score as often as you wish – even daily – and it won’t impact your credit score. In fact, checking in regularly can help you build or maintain your financial health.

Once you are logged into Internet Home Banking, click the widget and follow through the prompts to authenticate your account. If you're logging into Mobile Banking, click on More, then click My Credit Score. After you've registered, you'll have access to many features.


  • Daily credit score updates
  • Credit reports and factors
  • Credit monitoring and alerts
  • Explore savings opportunities
  • Financial wellness and education


Don't have our mobile app yet? Download it today to start using Credit Sense!

PlayLogo   App Store




What is Credit Sense?
Credit Sense is a comprehensive credit score program offered by MECU 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 could help you save.

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 inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Will Michigan Educational Credit Union use the Credit Sense credit score to make loan decisions?
No, MECU uses its own lending criteria for making loan decisions.

What is Credit Sense Credit Report?
Credit Sense credit report provides you with 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.

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 mobile app user, your credit score will be updated every month and displayed in the mobile app. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Sense site from within the mobile app.

How does the Credit Sense credit score 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.

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.

If the Credit Union doesn’t use Credit Sense to make loan decisions, why do we offer it?
Credit Sense can help you manage and monitor your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health.  You’ll also see offers on how you can save money with MECU.

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.

What if the information provided by Credit Sense appears to be wrong or inaccurate?
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 www.annualcreditreport.com, 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.

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 creditworthiness when you apply for loans.

Does Credit Sense offer credit report monitoring as well?
Yes. Credit Sense will monitor and send email alerts when there’s been a change to your credit profile.

Can Members use Credit Sense on mobile devices?
Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application.

There is a section on the site that features both Michigan Educational Credit Union product offers and financial education articles. Why am I seeing this?
Based on your Credit Sense credit score information, you may receive Michigan Educational Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the Credit Sense team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Go to main navigation
Michigan Educational Credit Union,
9200 Haggerty Road Plymouth, MI 48170
Dedicated to serving the financial needs of our community since 1942.
National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration
We do business in accordance with the Fair Housing Law
Equal Housing Lender