SavvyMoney helps you stay on top of your credit score, prevent fraud, and save money all from TruNorth’s online or mobile banking. Your credit score is updated daily and SavvyMoney will give you an understanding of the key factors that impact your score as well as tips on improving it. SavvyMoney also offers a simulator that shows impacts to your credit score and other resources such as articles and goals to help improve your score.

Get access to your full credit report
Prevent fraud with alerts of any changes to your credit
See personal offers to refinance outside debt and save money
Receive a full report on what impacts your credit score

SavvyMoney FAQs

Members can sign up for SavvyMoney within online and mobile banking. Members will need to answer a few security questions to view the initial credit report.

Yes, SavvyMoney is available through online banking and available to all members free of cost.

There are three credit-reporting bureaus, Equifax, Experian, and Transunion and two scoring models, FICO and VantageScore that determine credit scores. Financial institutions may use different bureaus as well as their own scoring model. 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.

No matter the bureau or scoring model used, all consumers fall into specific credit ranges:
Excellent 781-850
Good 661-780
Fair 601-660
Unfavorable 501-600
Bad 500 and below

A SavvyMoney Credit Report provides you all the information you would find on your credit file. It will list open loans, accounts, and credit inquiries. You will also be able to see details on your payment history, credit utilization, and public records.

No, checking SavvyMoney is a “soft inquiry” which does not affect your credit score. Credit lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

No, TruNorth FCU uses its own lending criteria and credit bureau reports for decisioning a loan. SavvyMoney is an educational program available to members that can help you manage your credit.

If you believe your information is wrong or inaccurate, we encourage you to take advantage of obtaining your Annual Free Credit Report and then pursuing action with each credit bureau individually. The Federal Trade Commission website offers instructions on how to contact the bureaus and correct errors.

SavvyMoney pulls the credit score based on the primary account holder’s information. If a joint account holder would like to benefit from SavvyMoney, they will need to open a savings account where they are the primary account holder.

*THIS NOTICE IS REQUIRED BY LAW. You have the right to a free credit report from AnnualCreditReport.com or (877) 322-8228, the ONLY authorized source under Federal law.