Staying on top of your credit has never been easier.
With one powerful tool within Partners digital banking, access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score - anytime, anywhere, for free.
Benefits of Credit Score:
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Daily access to your credit score
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Real-time credit monitoring alerts
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Credit score simulator
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Personalized credit report
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And more!
Frequently Asked Questions
What is Credit Score?
Credit Score powered by SavvyMoney helps you stay on top of your credit by providing the 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 Credit Score offer credit monitoring as well?
Yes. Credit Score powered by SavvyMoney will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score?
Credit Score is entirely free to Partners Federal Credit Union Members.
Will accessing Credit Score "ding" my credit and potentially lower my credit score?
Credit Score powered by 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 my credit score updated?
The credit score will be automatically updated every seven days and displayed in mobile and online banking. You can also click "refresh score" every 24 hours for an updated credit score and full report.
What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score powered by SavvyMoney does its best to show the most relevant information from a credit report. 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 credit bureau individually. Each bureau has its process for correcting inaccurate information, but Partners Federal Credit Union Members may "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score powered by 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 credit 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 Partners Federal Credit Union use Credit Score within online and mobile banking to make loan decisions?
No. Partners Federal Credit Union uses its own criteria for making loan decisions.
Personal 1-on-1 Financial Counseling
We know juggling finances along with everything else life throws at you can be challenging, but we're here to help. Partners Members can access free one-on-one financial coaching to help review your budget or manage your debt.