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Credit Score by SavvyMoney FAQs
Frequently Asked Questions
SavvyMoney is a comprehensive Credit Score program offered by FCCU, that helps you stay on top of your credit. You get your latest credit score, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this tool, you always know where you stand with your credit and how FCCU can help you save money.
The credit score tool within digital banking also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry was made. Monitoring helps you keep an eye out for identity theft.
After enrolling, you can access SavvyMoney from the More menu OR from the dashboard by clicking on the credit score widget.
You'll receive a monthly update of your credit score. Plus:
- Access to your full credit report
- Credit monitoring alerts
- Tips to improve your credit score
- Learn how you can save money on new loans and existing loans from other financial institutions
No. SavvyMoney is entirely free for FCCU members and no credit card information is required to register.
SavvyMoney pulls your credit profile 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: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.
SavvyMoney is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase - like buying a home, car or paying for college - you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You'll also see offers on how you can save money on new and existing loans with FCCU.
No. Checking SavvyMoney credit score is a "soft inquiry", which does not affect your credit score. Lenders use 'hard inquiries' to make decisions about your credit worthiness when you apply for loans.
The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from Annual Credit Report.com - Home Page, and then pursuing action with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
If your score shown in SavvyMoney is different than the scores we get from the credit bureaus, simply print out your score and let us know. We will review your information and determine if there is a better offer we can provide you.