Empower your financial future with comprehensive credit insights.
sign up for Online Banking access(Enrollment in Online Banking is required to enroll in Credit Score by SavvyMoney.)
Once enrolled, you can check your credit report as often as you like, without affecting your score. The benefits of this complimentary service include:
See your Debt-to-Income (DTI) ratio for free and without impacting your score. The new Debt-to-Income module, located beside the Credit Score tile, gives you a snapshot of how much of your income goes toward debt payments. Simply input your gross annual income and monthly housing payment to view you DTI percentage and rating, a breakdown of your debt categories, and personalized tips to help lower your ratio.
Explore how financial decisions (like taking out a loan or paying off a loan balance) could impact your score.
Set a credit score goal, track your progress, and receive personalized guidance to reach it.
What is a credit score?
A credit score is a three-digit number that reflects your creditworthiness, essentially, how likely you are to repay borrowed money. The higher your score, the more trustworthy you appear to lenders. Credit scores are calculated using information from your credit report. Key factors include:
Will accessing Credit Score impact my credit and potentially lower my credit score?
No. Viewing your credit through Credit Score results in a soft inquiry, which does not impact your credit score in any way.
Will Eglin FCU use Credit Score to make loan decisions?
No. Eglin FCU uses its own lending criteria for making loan decisions, which includes a hard inquiry to assess creditworthiness.
If Eglin FCU does not use Credit Score to make loan decisions, why do we offer it?
Credit Score is a helpful tool for monitoring and managing your credit. By understanding your credit health, you can be better prepared when it’s time to apply for a loan, potentially qualifying for the best available interest rates.
What credit score is used in Credit Score by SavvyMoney?
The credit score you see in this feature is your VantageScore® 3.0, a modern and widely used scoring model. VantageScore® was developed by the three major credit reporting agencies (Experian, Equifax and TransUnion) through a collaborative effort involving statisticians, analysts and credit data experts from each bureau.
Is Credit Score really free?
Yes! It’s completely free for Eglin FCU members. There’s no cost to access your credit score, credit report, or any of the tools and resources Credit Score provides.
What if the information provided by Credit Score appears to be inaccurate?
Credit Score displays data from your TransUnion credit report. If something looks incorrect, you can file a dispute directly with TransUnion by clicking the “Start a Dispute” link within Credit Score. If the issue is verified, TransUnion will update your report accordingly. We also recommend checking your credit reports from the other major bureaus (Equifax and Experian) at AnnualCreditReport.com. Each bureau has its own dispute process, so be sure to address inaccuracies with each one individually.
In addition to being a great way to keep track of your credit score. The free credit score and report tool provided inside of Online Banking and the Mobile App provides credit reports and advice to help you determine why your score may have increased or decreased and steps you can take to improve it. Alternatively, you can always reach out to the credit bureaus for information about your credit score.
Routing Number: 263178070
*APR = Annual Percentage Rate.
