SavvyMoney

How SavvyMoney works.

Easily opt in via Digital Banking on the Credit Score widget, or by clicking menu, then Credit Score on mobile. Then follow the prompts to opt in.

Understand credit scores.

Access your credit score anytime, anywhere. Learn the factors that make up your credit score and get important educational information on how to improve your score with our easy to understand action items. Remember, the better your score, the more you’ll save with lower interest rates on new and existing loans.

Protect your identity.

Review your full credit profile. Gain peace of mind in knowing you can keep on top of your credit. And, if you find an account you don’t recognize, SavvyMoney will help you file a dispute with the credit bureau. They even monitor your credit and alert you if there are any changes to your credit profile.

New loan offers.

See personalized new loan offers based on your credit score for Auto Loans, Credit Cards, and Personal Loans. You can pick the loan balance and term you’re looking for and see your estimated interest rate and monthly payment. Then apply right through SavvyMoney.

Save money, refinance.

View personalized refinance offers for Credit Cards, Auto Loans, Personal Loans, and more by clicking on the various top drop-down menus. See just how much interest you'd save over the life of the loan as well as your projected monthly payment. Apply for these offers within SavvyMoney.

Improve your credit score with SavvyMoney.

Factors of credit score.

Review your payment history, credit usage, total balances, credit age, and recent credit.

Review your credit grade.

See your current rating from A-F with a detailed explanation of each contributing factor.

Set a credit goal.

Select your desired credit score, choose when you want to achieve it, and track your progress.

Follow suggested actions to improve.

Get a personalized plan to improve your credit score by following specific actions for each factor.

Joint Owner Login Information

If owners on an account share Digital Banking login information, the SavvyMoney Credit Score data will reflect the primary account owner's information only. However, secondary account owners can access their personalized information by enrolling in Digital Banking to obtain their unique login and password.

Enroll In Digital Banking

SavvyMoney FAQs

Members can opt in and out at any time. To opt out, go into your SavvyMoney account, go to Settings, then scroll down to Deactivate Credit Score Account.

Yes, Savvy Money Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application.

No. Checking Savvy Money Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Savvy Money Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, 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 clicking on the “Dispute” link within their Savvy Money Credit Score Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Savvy Money 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. You’ll also see offers on how you can save money on your new and existing loans with Advia Credit Union.

Savvy Money Credit Score 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, SavvyMoney Credit Score is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Advia Credit Union.

No, Advia Credit Union uses our own lending criteria for making loan decisions.

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 taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad below 500.

Savvy Money Credit Score 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.

As long as you are a regular Digital Banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Savvy Money Credit Score site from within Digital Banking.

No. Savvy Money Credit Score is entirely free and no credit card information is required to register.

SavvyMoney Credit Score Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts, and credit inquiries. You will 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 file, there will be no impact to your score.

SavvyMoney Credit Score is a comprehensive credit score program offered by Advia Credit Union that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up-to-date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how Advia Credit Union can help save you money.

SavvyMoney Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected, such as a new account being opened, change in address or employment, a reported delinquency, or new derogatory mark. Monitoring helps users keep an eye out for identity theft.