Understanding your credit doesn’t have to feel overwhelming. As a NW Plus member, you have access to Credit Sense, a powerful, easy-to-use tool that puts your credit health front and center, right inside Online Banking and the NW Plus mobile app.
What Is Credit Sense?
Credit Sense is a free credit monitoring and education tool available to NW Plus members. It provides access to your credit score and full credit report from TransUnion, giving you a clear, real-time snapshot of your financial standing. Instead of wondering where you stand, Credit Sense makes it easy to stay informed and proactive. To access Credit Sense, you must be registered for Online Banking, and then they can sign up for Credit Sense.
Spot Fraud Before It Becomes a Problem
One of the most valuable benefits of Credit Sense is its ability to help you detect suspicious activity early. By regularly reviewing your credit report, you may be able to identify signs of fraud, such as unfamiliar credit card accounts or loan applications opened in your name. Early detection can make all the difference when it comes to protecting your financial identity and minimizing damage.
Build, Improve, and Track Your Credit
Whether you’re just starting to build credit or working to improve your score, Credit Sense
provides the tools to guide your progress. You can monitor changes to your score over time and gain insights into the factors influencing it. This visibility helps you make smarter financial decisions and stay on track toward your goals.
See the Impact Before You Make a Move
One of Credit Sense’s most powerful features is its credit score simulator. This interactive tool allows you to model how different financial actions might affect your TransUnion credit score before you actually take them.
Curious how opening a $50,000 auto loan might impact your score? Wondering what would happen if you paid down your credit card balances, closed an older account, or made consistent on-time payments over several months? Credit Sense lets you explore these scenarios so you can make informed decisions with confidence.
Set Goals and Stay Motivated
Improving your credit score is a journey, and Credit Sense helps you stay focused along the way. You can set personalized credit score goals and track their progress over time. This goal-setting feature adds a layer of motivation and accountability, helping turn long-term financial health into a series of achievable steps.
Easy Access, Anytime
Getting started with Credit Sense is simple. You can access the tool anytime through Online Banking or the NW Plus mobile app, no additional sign-up required. It’s a
A seamless way to stay connected to your financial health wherever you are.
Your Credit in Control
With Credit Sense, you’re checking your credit score to actively manage your financial future. From fraud awareness to credit building and scenario planning, this free tool empowers you with the knowledge and confidence to make smarter financial decisions every day.
Start exploring Credit Sense today and take the next step toward stronger financial wellness
Never share your account number, passwords, answers to security questions, or other account information. We will never ask you for this type of information when we call or email you. If someone claiming to be a NW Plus CU representative asks for sensitive account information over the phone or in an email, end the conversation immediately, and call us at 425.297.1000 or come to one of our branches to report the incident.
