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Credit Sense

View your current credit score, get access to your full credit report and monitor credit activity.



Take control of your credit history with our easy to use credit score reporting tool, Credit Sense. This free service makes it easy to monitor and mange your credit history in First eBanc Mobile and First eBanc. Get started today!



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We make it easy to know and manage your current score, understand the factors that affect it, and offer tools to help you stay one step ahead! Just log in to see your score, your rating, and a detailed breakdown of all the factors that go into the calculation.

Credit Report

View your credit report and see an overview of all outstanding credit card balances, car loans, mortgages and more.

Score Simulator

Score simulator gives you a breakdown of how the decisions you make today might impact your score in the future. Educational resources are available to help you learn how to optimize your financial health and increase your credit score!

Financial Tools

Use the suggested financial tools to get a loan, open an account, review mortgage rates and so much more.




Credit Sense is a free service offered to help you understand your credit score and your full credit report. It provides credit monitoring alerts, shows you how you can improve your score and offers ways you can save money on new and existing loans with us.

What is Credit Sense?

Credit Sense is a comprehensive Credit Score program offered by First Community Bank and Trust, 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 you can save 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 inquiry has been made. Monitoring helps users keep an eye out for identity theft.

What is Credit Sense Credit Report?

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 see details on your payment history, credit utilization and public records that show up on your account. Like Credit Sense, when you check your credit file, there will be no impact to your score.

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 online banking user, your credit score will be updated every month and displayed in First eBanc and First eBanc Mobile. You can click “refresh score" as frequently as every day by navigating to the detailed Credit Sense site from within online banking.

How does Credit Sense 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. 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.

Will First Community Bank and Trust use Credit Sense to make loan decisions?

No, First Community Bank and Trust uses its own lending criteria for making loans.

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.

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, 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. The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

There is a section on the site that features both First Community Bank and Trust product offers and financial education articles. Why am I seeing this?

Based on your Credit Sense information, you may receive First Community Bank and Trust 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.

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 credit worthiness 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.

How do I change my email address or other personal information?

If you access Credit Sense through First eBanc or First eBanc Mobile, you have to do nothing! Your email address will get updated automatically in Credit Sense when you update it in First eBanc or First eBanc Mobile. However, we always encourage you to inform your financial institution of any contact information updates.

If you signed up with Credit Sense from our website, please log into First eBanc and select the Profile link at the top right and follow instructions to update your information.

Can I use Credit Sense on mobile devices?

Yes, Credit Sense is available for both mobile and tablet devices and is integrated inside our mobile application, First eBanc Mobile.



Need assistance with Credit Sense?

Call us in Beecher at (708) 946-2246 or in Peotone at (708) 258-0530 or send us an online message.

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