Credit Sense Powered by SavvyMoney®

Credit Sense Powered by SavvyMoney®

your credit score, daily and secure

It's never a bad time to review and manage your credit score. Your credit score is a number that will follow you around and play a part in many aspects of your life. Whether you want to buy a house or car, or possibly start your own business, your credit will play an important role.

Available through True Blue Online® and mobile banking, Credit Sense, powered by SavvyMoney®, provides you access to all things credit score. With this one powerful tool, access your credit score, full credit report, credit monitoring, financial tips and education. 

You can do this ANYTIME and ANYWHERE and AT NO COST TO YOU.

benefits of credit SENSE

  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • And More!
The benefits are endless, so there is no need to wait.

Frequently asked questions

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 is any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Yes. Credit Sense will monitor and send email alerts when there has been a change to your credit profile.

Credit Sense is entirely free to Capitol Federal® Financial customers.

Credit Sense is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

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.

Credit Sense make 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 Capitol Federal Credit Sense user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Sense. Transunion will share this with other bureaus if the inaccuracy is verified.

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 own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

Capitol Federal® uses its own lending criteria for making loan decisions.

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Get a 360 view of your finances

Make, track and manage your budget - it's simple with My Finances. The My Finances tool allows you to link your CapFed® accounts and any outside accounts together in one place. You can link credit cards or investment accounts to My Finances and your information will be retrieved automatically.

Turn your transaction information into usable information with a click of a button on your computer, or the tap of your finger on a mobile device. Enroll in My Finances within True Blue Online® today.

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True Blue Online® Banking

Everything you need to manage your money is accessible from anywhere at anytime with online banking.  It’s secure and easy to use.  Pay bills, check statements, track expenses and send money to others, all from one place.

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Bank On Mobile

Take your account with you, wherever you go.  View balances, make payments and deposit checks from your mobile phone.

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Online Banking Help

Frequently asked customer and technical questions to help you answer any questions you may have about True Blue Online® banking.

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