Credit Sense

Credit Sense, powered by SavvyMoney®, is a tool that provides you with ongoing access to your credit score, along with recommendations to improve it. This comprehensive service not only helps you stay on top of your credit score, it monitors your credit report and will send you alerts when something changes.

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All you need to get started with Credit Sense is a 3Rivers account and access to online banking or mobile banking.

To get it set up, just follow these easy steps:

Online Access

  1. Log-in to online access.
  2. Click the Credit Sense button on the left side of the screen.
  3. Read and accept the terms and conditions.
  4. Answer a few identifying questions.

Mobile Banking

  1. Log-in to mobile banking app.
  2. Click the "More" tab at the bottom of the screen.
  3. Select the "Credit Score" tab.
  4. Answer the identifying question.

That’s it! You’re all set.

Frequently Asked Questions

Questions about Credit Sense? We might have the answer you’re looking for below. If not, give us a call at 260.490.8328 to learn more.

Who can access Credit Sense?

Credit Sense is available to the primary account holder within 3Rivers online access or mobile banking access. If a joint member would like to access Credit Sense, they’ll need to open their own account with 3Rivers.

Do I have to pay to use Credit Sense?

No. Credit Sense is included with your access to 3Rivers online banking.

How does Credit Sense receive my credit score?

3Rivers works with a trusted third-party service provider, SavvyMoney®, to deliver Credit Sense to you through Online Access. Because 3Rivers does not receive this information from SavvyMoney®, no 3Rivers  employee can see your Credit Sense credit score. It is confidential and available only for you to view within your online account. SavvyMoney® will never share your personal information with outside entities.

How does Credit Sense keep my financial information secure?

The security of our members' financial information is our top priority. 3Rivers has partnered with a third-party, SavvyMoney®, to deliver members' credit scores through Credit Sense. SavvyMoney® applies its own security measures to Credit Sense using industry-standard security practices to protect your data.

Is Credit Sense an actual credit report?

No. Credit Sense shows your credit score from TransUnion using the VantageScore credit scoring model, which ranges from 300 - 850, along with key factors from your credit report that impact your score. The VantageScore credit scoring model was developed collaboratively by the three major credit bureaus, therefore it seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health. Credit Sense does not include an actual credit report. You may request a full credit report annually - at no cost - from each of the three credit reporting bureaus (Experian, Equifax, and TransUnion) at

How often is my credit score updated in Credit Sense?

Credit Sense will automatically update your score once a month. You can update it more frequently by clicking "update" on the page that presents your score.

Will 3Rivers use Credit Sense's credit score to make loan decisions?

No. At 3Rivers, we have our own lending criteria, based on a full credit report, for making loan decisions and we do not have access to your Credit Sense credit score.

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

Should you find inaccuracies in your Credit Sense account information, such as loans that aren't yours or inaccurate balances, there is a link within Credit Sense to file a dispute with TransUnion, the credit bureau that provides Credit Sense its information. To further protect yourself from credit inaccuracies and to identify potential fraud, we recommend that you request one free credit report from each of the three credit bureaus annually at Each bureau has its own process for correcting inaccurate information. The Federal Trade Commission's website offers step-by-step instructions if you would like to contact the bureaus to correct errors.

Why am I seeing offers for 3Rivers products and services?

At 3Rivers, we’re always looking for ways to save you money. Credit Sense can offer you loans or other services offered at 3Rivers that may be of interest to you, and could save money.

Will accessing Credit Sense show as an inquiry on my credit report?

No. Credit Sense accesses your credit score as a "soft inquiry" which does not alter your score in any way.

Does Credit Sense offer credit report monitoring as well?

Yes. Credit Sense offers free credit report monitoring which will alert you of certain types of changes to your credit report, including new credit accounts opened or attempted to be opened, delinquencies, bankruptcies and more.

Can members use Credit Sense on mobile devices?

Yes. Credit Sense is available for both mobile and tablet devices when logging in through the 3Rivers Mobile Banking App or Online Access. Within the Mobile App, simply tap the "More" option and then "Credit Score."