Credit Score by SavvyMoney


Credit Score by SavvyMoney is available through online and mobile banking. It is a free service to help you understand your credit score by giving you access to your full credit report. Additionally, you have access to financial tips and education, credit offers based on your credit score, a credit score simulator, credit monitoring alerts and more!

No. Checking your score on Credit Score is a “soft inquiry” which does not affect your credit score. 
There is no fee. Credit Score is a free service provided to CCU members with online and mobile banking access.
Log into your online or mobile banking. Find the Credit Score and Report widget and click Show My Score.
Go to the Resources tab within Credit Score, select Profile Settings, and then click on Deactivate Credit Score Account
Yes, select Start A Dispute button on the Credit Report page to file a dispute with TransUnion. 
No, Co-op Credit Union will continue to use our lending criteria when making final loan decisions as we have no access to an individual's credit score through SavvyMoney.
Go to the Resources tab within Credit Score, select Profile Settings, and then click Email Notifications.
There are three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore— that can be used to determine credit scores. Financial institutions use different bureaus, as well as different scoring models. There are over 200 factors within a credit report that may be used when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.
Your score will be updated automatically every 7 days and be displayed within your online or mobile banking. You can manually refresh your score and full report every 24 hours by clicking Refresh Score and navigating to the detailed Credit Score Dashboard within online and mobile banking.
This project is being funded in part by the Wisconsin Credit Union Foundation, Inc. in support of it's The Difference Initiative efforts.