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SavvyMoney Credit Score Monitoring

Monitor your credit score with SavvyMoney, and find money-saving opportunities

SavvyMoney Credit Score is a free service offered to help members obtain their VantageScore 3.0 credit score and report, get free credit monitoring and alerts, and loan rate comparisons. Credit alerts help you watch for key changes, or you can login to find savings opportunities on new and existing loans, or just to keep track of your financial wellness.

To access, login online or to our mobile app, select SavvyMoney from the menu and check your credit score in minutes.

Get Started with SavvyMoney

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Improving your credit score is a long-term benefit that saves you money.

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An improved credit score can mean lower interest rates on future credit cards and loans.

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Lower interest rates mean savings in your pocket.

One of the many perks of being a Members Choice member is SavvyMoney.

As a Members Choice Credit Union member, you receive free, ongoing access to your credit score and report, you can monitor your credit for key changes, and find savings opportunities on existing and new loans based on your credit score. The widget within Online Banking will automatically update your credit score and analysis every 30 days without any action from you, however you may pull your credit score and report as often as you wish without impacting your score since this is a “soft” pull or inquiry of your credit report.

SavvyMoney pulls your credit profiles from TransUnion, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the 3 major credit bureaus — Equifax, Experian and TransUnion. SavvyMoney is an educational tool and your score may differ from the hard pull we are required to do for loan decisioning.

With this program, you always know where you stand with your credit and how MCCU can help save you money. The program 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, a change in address or employment, a delinquency reported, or an inquiry made. Monitoring helps you keep an eye out for identity theft as well.

Login to your Members Choice Credit Union Online Banking account today to check out SavvyMoney. To sign up, all you have to do is click on the registration link.

 
 
Login, and click on the “SavvyMoney” widget in the main navigation to get started (you may need to click on the “More” button to view).
 
 
 

FAQs about SavvyMoney

SavvyMoney is a comprehensive Credit Score program offered by Members Choice, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that affect the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how MCCU can help save you money. The program 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, a change in address or employment, a delinquency reported, or an inquiry made. Monitoring helps you keep an eye out for identity theft as well.
SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.
No. SavvyMoney is entirely free and no credit card information is required to register.
As long as you an online banking user, your credit score will be updated every month and displayed in your online banking screen. You can manually refresh your score by clicking “refresh score” as often as you like.
Yes. When you pull your credit score successfully the first time, you are automatically enrolled into credit monitoring. Your file is scanned daily for key changes, and an alert is sent when a significant change is detected. TransUnion will provide the following monitoring alerts:
  • An account has been included in bankruptcy.
  • An account is reported as delinquent.
  • A fraud alert has been placed on the credit file.
  • A previously derogatory account is now current.
  • A new account has been opened.
  • An account in your name shows a different address. An account in your name listed a new employer.
  • A new inquiry on the credit file.
  • A new public record has been reported.
 
 
 
 
 

Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.