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SavvyMoney Credit Score

free in online & mobile banking

Tracking your credit score is easier than ever – it can now be displayed right on your Online and Mobile Banking dashboard. By staying in touch with your score, report and monitoring updates, you put yourself in the best position to truly discover financial freedom.


Credit confidence

Never miss a thing with real-time security updates any time your credit file changes


Daily score updates

Empower your financial decisions by accessing your score anytime and anywhere


Money-saving offers

Turn your credit into an engine for financial achievement with personalized savings offers

1 Log in Log in to Online or Mobile Banking
2 Navigate

Desktop: Click the credit score display in the upper right corner showing the average score in your area

Mobile: Tap More at the bottom of the screen, then scroll down and select Credit Score

3 Enroll Sign up and you're all set!


Frequently asked questions

What is SavvyMoney Credit Score?

SavvyMoney is a comprehensive Credit Score program offered by SCE Credit Union, that helps you stay on top of your credit. With this program, you always know where you stand with your credit and how we can help save you money.

Credit Score also monitors your credit report daily and informs you through digital banking and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps you keep an eye out for identity theft.

What is SavvyMoney Credit Report?

SavvyMoney Credit Report provides you all the information you'd find on your credit file including a list of current or previous loans, accounts and credit inquiries. You'll also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there'll be no impact to your score.

What is the Score Simulator tool within SavvyMoney?

The Score Simulator is an interactive tool allowing you to select various actions you might take and see how your score could be affected. Different actions, like paying off a credit card balance might make your score move up or down. Just like checking your credit score through SavvyMoney, using the simulator doesn't affect your actual credit score.

Is there a fee to use SavvyMoney?

No. SavvyMoney is entirely free, and no credit card information is required to register.

How often is my credit score updated within SavvyMoney?

As long as you regularly access digital banking, your credit score will be updated every 30-days and displayed within your Online or Mobile Banking dashboard. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking Refresh Score by navigating to the detailed Credit Score Dashboard.

How does the SavvyMoney Credit Score differ from other credit scoring offerings?

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Why do credit scores differ?

There are three major credit-reporting bureaus – Equifax, Experian and TransUnion – and two scoring models – FICO or VantageScore – that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. 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 but should directionally be identical. 

Will SCE Credit Union use SavvyMoney Credit Score to make loan decisions?

No, we use our own lending criteria when making final loan decisions. However, the SavvyMoney tool can show you estimated savings opportunities on new and existing loans. Final rate, term, monthly payment, and other factors will be determined at the time of application.

Will SavvyMoney share my credit score with SCE Credit Union?

No, we don't have access to your credit file unless you choose to share it with us. However, if you'd like to share your credit report, you can easily download your SavvyMoney credit report by navigating to the Credit Report tab and selecting Download Report

How does SavvyMoney Credit Score keep my financial information secure?

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

If the Credit Union doesn't use SavvyMoney Credit Score to make loan decisions, why are you offering it?

SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase – like buying a home, car or paying for college – you have a clear picture of your credit health and can qualify for the lowest possible interest rate.

What if the information provided by SavvyMoney Credit Score appears to be wrong or inaccurate?

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can file a dispute by selecting the Dispute link within their SavvyMoney Credit Report.

Will accessing SavvyMoney Credit Score ping my credit and potentially lower my credit score? 

No. Checking SavvyMoney Credit Score is always a soft inquiry, which doesn't affect your credit score. Typically, lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.

Does SavvyMoney offer credit report monitoring as well?

Yes. After you've enrolled in Credit Score for the first time, SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.


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