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Credit Sense

Frequently Asked Questions

Credit Sense is designed to help you stay on top of your credit. It provides your latest credit score and report along with educational information about key factors that impact your score. It monitors your credit daily and emails you if any significant changes are detected (ex: new account being opened, address or employment change, delinquency or inquiry reported).

Yes! Credit Sense monitors and sends email alerts when there’s a change to your credit profile.

No! It’s completely free for Park customers.

Credit Sense is considered a soft inquiry and does not affect your credit score.

Your credit score updates every seven days. You can click “refresh score” as often as every day to see your updated score.

Credit Sense does its best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can request a free credit report from and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Park National Bank Credit Sense user can “file a dispute” with TransUnion by clicking on the “dispute” link within Credit Sense. TransUnion will share this with the other bureaus if the inaccuracy is verified.

Three major credit-reporting bureaus (Equifax, Experian and TransUnion) and two scoring models (FICO or Vantage Score) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

No. Park pulls credit directly from credit bureaus and uses a separate underwriting process for making loan decisions.