Credit Sense.

Your Credit Score.
And More.

Anytime. Anywhere.


With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips and education. All of this without impacting your credit score.

You can do this ANYTIME and ANYWHERE for FREE.



Access your credit score and credit report through Online Banking or the HCBT Mobile App.

Log In Now

*To access Credit Sense from this page, you will need to log in to your Online Banking.


  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator, Action Plan and Goals
  • Personalized Credit Report
  • Special Credit Offers
  • Financial Checkup… And More!

The benefits are endless, so there is no need to wait.

Frequently Asked Questions

What is Credit Sense?

Credit Sense helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. 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 as well?

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 Hendricks County Bank and Trust Company customers.

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.

How often is the credit score updated?

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.

What if the information provided by Credit Sense appears to be wrong or inaccurate?

Credit Sense makes it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Hendricks County Bank and Trust Company Credit Sense user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score and More. TransUnion will share this information with the other bureaus if the inaccuracy is verified.

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 weigh credit factors differently, so no scoring model is identical.

Will Hendricks County Bank and Trust Company use Credit Sense to make loan decisions?

Hendricks County Bank and Trust Company uses its own lending criteria for making loan decisions.

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