Credit Sense



Credit Sense, powered by SavvyMoney, is available to all Opportunity Bank of Montana customers through both online and mobile banking platforms. This service is provided at no cost and is designed to enhance your understanding of your credit score by granting access to your complete credit report. Additionally, Credit Sense offers real-time credit monitoring alerts, adding an extra layer of credit protection. Furthermore, the solution includes valuable financial tips and educational resources to help you comprehend the components of your credit score and methods to enhance it.


Credit Score also provides daily monitoring of your credit report. You'll receive email notifications if any significant changes are detected, such as a new inquiry, opening of a new account, changes in address or employment status, or the reporting of delinquency. This credit monitoring feature is crucial for helping you stay vigilant against identity theft.


The score simulator is an interactive tool that enables you to choose different actions and observe how they might impact your credit score. Actions such as paying off a credit card balance can potentially cause your score to either increase or decrease. It's important to note that, similar to checking your credit score through Credit Sense, using the simulator will not have any effect on your actual credit score. This feature allows you to explore various scenarios and make informed decisions about managing your credit without impacting your credit score.


Credit Score Goals is a feature integrated into Credit Sense, aiming to assist you in reaching your credit objectives. This tool enables you to set your desired credit score goal along with the timeframe within which you aim to achieve it. Once you've established your goal, you can monitor your progress, adjust your goal if needed, receive tailored recommendations on enhancing your score, and receive updates upon reaching 25%, 50%, 75%, and 100% of your goal. This comprehensive tool empowers you to actively work towards improving and maintaining your credit score.


Credit Score Action Plan is a component integrated into Credit Sense, offering you a consolidated view of recommendations derived from our score analysis cards. This feature furnishes you with a personalized plan tailored to enhance your credit score, providing detailed insights into actions that can have the most significant impact on your score. By centralizing these recommendations on one screen, the Credit Score Action Plan empowers you with actionable steps to improve your credit score effectively.


Financial Checkup is a feature integrated into Credit Sense, aiming to provide you with a snapshot of your financial health. The results of Financial Checkup are derived from a quick assessment designed to foster a thorough comprehension of you present and future financial situation. The entire assessment typically takes 5-10 minutes to complete. Upon completing the assessment, you will receive your Financial Health Score, credit score, debt-to-income ratio, and spending ratio. Additionally, you will receive a monthly budget breakdown of how you are currently spending and personalized suggestions for improvements.


Q: Is there a fee to enroll?

A: No. It's entirely Free, and no credit card information is required to register.

Q: How can I enroll in Credit Sense?

A: You can enroll through Opportunity Bank of Montana’s online banking and/or mobile banking app.

Online Banking: Log in to online banking and select the Credit Sense widget on the bottom right corner of the Home page. After clicking “Show My Score”, agree to the Terms & Conditions and submit your permission to enroll.

Mobile Banking: Log in to mobile banking and select “My Credit Score” under “Quick Links” on the Accounts page. After clicking “My Credit Score”, agree to the Terms & Conditions and submit your permission to enroll.

Q: How often does my credit score get updated?

A: If you regularly access digital banking, your credit score will be updated every 7-days and displayed within digital banking. You can also refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Sense Dashboard within digital banking.

Q: What if the information provided by Credit Sense appears to be inaccurate?

A: Each credit bureau has its process for correcting inaccurate information, but you can "File a Dispute" by clicking on the "Start a Dispute" button at the bottom of the credit report page.

Q: Will enrolling or accessing Credit Sense 'ping' my credit and potentially lower my credit score?

A: No. Checking your credit score with Credit Sense is a "soft inquiry" which does not affect your credit score.

Q: Can I download my credit report in Credit Sense?

A: Yes, you can download your credit report by selecting “Download Report” under the “Credit Report” section in Credit Sense.

Q: Can I unenroll from Credit Sense?

A: Yes. Go to the resources tab, select profile settings, and then click “Deactivate Credit Score Account”.

Q: What scoring model does Credit Sense use?

A: VantageScore 3.0

Q: What bureau does Credit Sense pull my credit profile from?

A: TransUnion

Q: Will I receive email notifications from Credit Sense?

A: Yes. You can receive credit alerts, monthly notices, and general messages from Credit Sense.

Q: Can I turn off email notifications from Credit Sense?

A: Yes, you can turn off email notifications under your profile settings.

Q: Why is my credit score in Credit Sense differ from other credit scoring offerings?

A: Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions use different bureaus, as well as their scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.

How can we help you?

Planning to come visit?

Helpful Quicklinks

Back to Top