Keep score of your finances
Credit Sense is powered by SavvyMoney and available on First Farmers & Merchants Mobile App and Online Banking. It's a free, convenient way to keep an eye on your credit score and report, all in one place.
Stay informed:
- View your credit score anytime
- Access your complete credit report powered by SavvyMoney
- Receive regular updates and optional alerts about key changes
Stay protected:
- Get notified when there are significant changes to your credit report
- Monitor for signs of possible identity theft or errors
Build financial awareness:
- Explore educational resources to understand the factors that affect credit scores
- Use tips and planning tools to help you manage credit responsibly over time
Managing your credit information can help you stay aware of how lenders view your credit profile. Credit Sense is designed to keep you informed so you can make confident financial decisions.
The credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with First Farmers & Merchants Bank loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the bank when you apply for a loan. The credit score found in the credit report may be different than the credit score you see within Credit Sense.
* Mobile rates may apply.
What is Credit Sense?
Credit Sense helps you stay on top of your credit by providing your latest credit score and report. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Does Credit Sense offer Credit Monitoring?
Yes. Credit Sense will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Sense?
Credit Sense is entirely free to First Farmers & Merchants Bank customers. Enroll through online and mobile banking.
Will accessing Credit Sense 'ding' my credit and potentially lower my score?
Credit Sense is a 'soft inquiry' which does not affect your credit score. Lender's use 'hard inquiries' to make decisions about creditworthiness when you apply for loans.
Will First Farmers & Merchants Bank use Credit Sense to make loan decisions?
No. First Farmers & Merchants Bank utilizes additional credit and financial criteria for making lending decisions. Your credit score is not a guarantee or approval of a loan.
Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit factors may be considered when calculating a score, and each model may weight credit factors differently, so no scoring model is identical.
How often is Credit Sense updated?
Credit Sense will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" once per day for an updated credit score.
What if the information provided by Credit Sense appears to be inaccurate?
Credit Sense does it's best to show the most relevant information from a credit report. If you think some information is inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every First Farmers & Merchants Bank Credit Sense user can "File a Dispute" with TransUnion by clicking on the "Dispute" link within Credit Sense. Transunion will share this information with the other bureaus if the inaccuracy is verified.