Credit Sense

Your credit score is more than just a number.

Keep an eye on your credit score with Credit Sense.

Understand your credit score and learn how you can improve it
Monitor your credit report and receive alerts about activity
View your credit history
Empower your financial future

Your credit score is a vital piece of data lenders reference when you want to borrow money, employers check when you apply for a job and landlords look at before renting an apartment. Keeping your score on the upswing is key, and you can monitor your progress with Credit Sense, a free tool available through Online Banking and our mobile app

Insights from Credit Sense

Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus with Equifax and Experian, and provides a complete report using a credit scoring model the bureaus developed together. 

To enroll in Credit Sense:

  • Log in to your Carter on the Go account
  • Select Services from the menu bar, then click Credit Score & Report
  • Follow the prompts to create your account

Once enrolled, your credit score will appear automatically each time you sign in to Carter on the Go. Carter on the Go is your anytime banking solution. Our free online and mobile banking option offers convenient, everyday banking from your computer or smartphone. Learn more and register for Carter on the Go.

Free Credit Report

If you think any of the information you find is inaccurate, you can order a free credit report from Each bureau has its own process for correcting inaccurate information, but you can “File a Dispute” by clicking on the “Dispute” link within your Credit Sense Report. Access the Federal Trade Commission's instructions on how to contact the bureaus and correct errors.


For contact information, including phone numbers, email addresses, and online inquiries, please visit our "Contact Us" page. You can also call us at (833.275.2228), or visit us at one of our locations. To find a location click here.

Get Our Mobile Banking App

On the go money management you can access 24/7.

  • Review account activity, balances and statements
  • Make transfers on your time
  • Make mobile check deposits
  • Monitor your credit score
Get it on Google Play Download on the App Store
Give your money a workout

Earn higher interest than most traditional savings accounts.

Online Disclosure Agreement located within Carter's Online Mobile Banking App

Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.