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Everyone has a unique credit journey. You could just be starting out with no credit at all. Or, you could have years of credit card account history and a rock solid score. Maybe you’re somewhere in the middle or maybe you’re looking to improve your score?
No matter where you are on your credit journey, you can use Savvy Money to help get you where you want to be. Best of all, it’s free for you to use within online + mobile banking.
To start using Savvy Money, just login to your online banking account and interact with the Savvy Money widget (located to the right of your accounts). For mobile banking users, scroll down to the bottom of your accounts overview page to start using Savvy Money.
See more about what you can do with Savvy Money below. If you need help, start a live chat with us at the bottom-right corner of the screen.
Get a daily updated credit score
Your credit journey starts by knowing exactly where you stand. When you use Savvy Money, you’ll be able to see your credit score every time you login to online or mobile banking. Your credit score updates daily, so you’ll get to see the latest, greatest. Best of all, there are no third-party apps to download and no extra passwords to remember.
Receive in-depth analysis of your credit score
Your credit score is just a number. Savvy Money tells you the complete picture with a detailed analysis of what you’re doing right. You’ll get to see the variables that make up your credit score, including:
Payment history
Credit usage
Account mix
Credit age
Inquiries
Develop an action plan to improve your credit score
Take definitive steps to increase your credit score. Savvy Money finds ways you can improve your credit score based on its in-depth analysis, then gives you an action plan.
For example: If you need to improve the age of your credit, Savvy Money will suggest not opening new accounts. It might also suggest you make small transactions and pay them off on cards you may not use any more so your oldest accounts don’t automatically close.
You can also see a list of your open credit accounts and how much you owe on each of them. Seeing the complete picture of your finances helps you build a plan much faster.
Take a financial checkup assessment
Get a detailed vision of your monthly budget and how you’re doing financially by answering a few simple questions. Learn how you can take steps to set up savings goals, reduce debt and become the best financial version of yourself.
View personalized loans and offers to help your credit journey
Sometimes debt becomes to much. If you’re making your monthly payments and don’t have anything to show for it, maybe it’s time for a different course of action.
View personalized offers in Savvy Money that could help you consolidate your debt. Or, if you’re actively improving your credit, see how much you could save on an auto loan, new credit card or home equity loan.
Fraud can throw you off your credit journey fast. Use Savvy Money to monitor your credit activity and fight fraud before it’s too late. You’ll be able to see recent credit inquiries, credit usage updates, payment histories and more.
