SavvyMoney Credit Score

的 ability to see your credit score through our partner SavvyMoney is built into 利记 and just waiting for you to click on it. 

On your computer, log in to 利记. Access your credit score by clicking on the red “Check Your Score” button on the right or by clicking “Featured Tools” then “Credit Score” in the navigation menu on the left. If it’s your first time to access your credit score, we’ll ask you a few first-time visitor questions to verify your identity. Next time you visit 利记, either access method will bring you to your SavvyMoney dashboard and your credit score.

On the app, click on “Featured Tools” then “Credit Score” in the left menu navigation to get started.

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是的! SavvyMoney is entirely 免费的, and no credit card information is required to register. You can pull your updated credit score up to every 24 hours by clicking “Refresh Score” in the SavvyMoney section of 利记. An updated full credit report is available monthly. 

To access SavvyMoney credit program features, log in to 利记.

的 score provided in SavvyMoney is not the FICO score, but it will be close to your FICO score. Both scores create scoring models that use consumer credit data to generate credit scores, but they use different methods to calculate scores, which may result in slight scoring differences.

的re are three major credit-reporting bureaus (Equifax, 益百利, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions choose which bureau and scoring model to use. 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, 好661 - 780, 公平的601 - 660, 不利的501 - 600, 低于500.

SavvyMoney pulls your credit profile from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, 益百利, 和TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

是的!

Did you know that 元素 gives you 免费的 access to your credit score, full credit report, and credit monitoring? To start getting email notifications about your credit score, simply enroll in our SavvyMoney credit monitoring service within 利记 by following the steps below:

1. Log in to 元素 利记.
2. In the Menu, click on “Featured Tools” and then “Credit Score.”
3. Enter the requested information to enroll in SavvyMoney and pull your credit file. (This request will not affect your score.)
4. On the next screen, you will see your credit score.
5. That’s it – you will now have instant access to your credit score and receive credit score updates and a monthly credit snapshot via email.

Types of Credit Score Emails You Will Get

• When you’re enrolled in SavvyMoney 免费的 credit monitoring with 元素, you will receive the following email alerts:
• Monthly Credit Snapshot – an overview of what changed on your credit score and report in the last month.
• 信用评分更新 – an email alert when your latest credit score and report card are ready for viewing.
• Credit Report Monitoring – an email alerting you when a new account has been opened and is showing on your credit report.

To opt out of any of these email alerts, click on either “Unsubscribe” or “Manage Subscriptions” in the footer of the email and follow the prompts.

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What if some information on my credit report appears to be wrong or inaccurate?

的 SavvyMoney credit program 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 免费的 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 SavvyMoney Credit Report. 的 Federal Trade Commission website 提供了 step-by-step instructions on how to contact the bureaus and correct errors.

Why do I see 元素 product 提供了 and financial education articles in the SavvyMoney section of 利记?

Based on your SavvyMoney credit score information, you may receive 提供了 on 元素 products that may be of interest to you. In most cases, these 提供了 may have lower interest rates than the products you already have. 的 educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

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

No. 检查 your SavvyMoney credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.