STAYING ON TOP OF YOUR CREDIT HAS NEVER BEEN EASIER
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.
You can do this ANYTIME and ANYWHERE for FREE.
YOUR CREDIT SCORE. DAILY. AND SECURE.
Access your credit score and report in our mobile app and online banking.
FREQUENTLY ASKED QUESTIONS
What is SavvyMoney?
SavvyMoney 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 SavvyMoney offer Credit Monitoring as well?
Yes. SavvyMoney will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for SavvyMoney?
SavvyMoney is entirely free to Northern Hills Federal Credit Union members.
Will accessing SavvyMoney “ding” my credit and potentially lower my credit score?
SavvyMoney 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.
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 once every twenty-four hours for an updated credit score.
What if the information provided by SavvyMoney appears to be wrong or inaccurate?
If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Northern Hills Federal Credit Union SavvyMoney user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within SavvyMoney. TransUnion will share this 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 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.
Will Northern Hills Federal Credit Union use SavvyMoney to make loan decisions?
No. Northern Hills Federal Credit Union uses its own lending criteria for making loan decisions.