Credit Score powered by SavvyMoney is available to our customers through online and mobile banking. It is a free service to help our customers understand their credit score by giving them access to their full credit report. Additionally, customers will have access to financial tips and education, credit offers based on their score, a credit score simulator, credit monitoring alerts and more!
Vantage 3.0 via TransUnion
Get instant access to your credit score through (Vantage 3.0 via TransUnion.)
Learn how your credit score is impacted
An interactive tool that enables members to see how certain actions may affect their credit score, including paying off a credit card balance or applying for a loan.
Educational credit score content
Through educational content and financial personalization, we empower our members to make informed decisions, putting them on the path to improve their financial well-being.
See payment history, credit utilization, and more
All the information found on a credit file including a list of current or previous loans and accounts and credit inquiries. Members can see details on their payment history, credit utilization, and the public records that show up on their accounts.
Gain insight into credit usage, credit inquiries and more
Gives insight into payment history, credit usage, account mix, credit age and credit inquires.
Receive updates on significant changes to your score
Provides updates when significant changes occur to payment history, credit limit changes and credit usage.
SavvyMoney is a comprehensive platform that provides users with free and ongoing access to their latest credit scores, reports, and real-time credit monitoring all through online and mobile banking.
To learn more, visit: SavvyMoney.
No. It’s entirely free, and no payment information is required to register.
If the user regularly accesses digital banking their credit score will be updated every 7 days and displayed within their digital banking. They can also refresh their credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.
There are three major credit reporting bureaus—Equifax, Experian, and Transunion and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus and scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical although there are similarities.
SavvyMoney pulls users’ credit profiles from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus, to make score information more uniform between the different bureaus and provide consumers with a better picture of their credit health. Key factors that drive the score are the same.
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All Navigant Credit Union locations will be closed on Sábado, Julio 4th in observance of Independence Day.
