CREDIT SCORE

No Cost. No Stress. Just Insight.

Powered by SavvyMoney, this tool is secure, private, and always free for Arbor members.

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Full Credit Report Snapshot
See key factors affecting your score and monitor your financial progress.
Daily Score Updates
Stay informed with refreshed credit data each day.
Credit Monitoring & Alerts
Get notified of important changes, like new accounts, inquiries, or potential fraud.
Interactive Score Simulator
Curious how paying off debt or opening a new account will affect your score? Try out real-time “what-if” scenarios.
Personalized Financial Tips
Receive tailored advice to help you build and maintain healthy credit.
Review your credit profil

if you find an account you don't recognize, Credit score will help you file a dispute with the credit bureau.

Quick Tips!

1. Check Often, Worry Less
Monitoring your credit score regularly doesn’t hurt your score—it helps you stay in control and catch issues early!

2. Small Changes Make a Big Impact
Paying down even a little on your credit card balance can improve your utilization rate—and boost your score.

3. Use the Score Simulator to Plan Ahead
Thinking of paying off a loan or applying for new credit? Use the simulator to see how different actions could impact your score before you make a move.

4. Set Up Alerts for Peace of Mind
Turn on credit monitoring alerts to be the first to know about new accounts, inquiries, or changes to your report.

Frequently Asked Questions

Looking for more?

No! Using Credit Score does NOT affect your credit score. Hard pulls are what affect your score. Credit Score uses soft pulls to provide you with your credit.

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.

We use enhanced encryption and security measures to keep your data and information safe and secure. Your personal information is not shared with or sold to a third party. For information on how to keep your information safe, visit our security center.

No, we will use a more formal hard credit pull to make lending decisions.

Credit scores are determined by three major credit-reporting bureaus—Equifax, Experian, and TransUnion—using two primary scoring models: FICO and VantageScore. Financial institutions may rely on different bureaus and even use their own scoring models to assess creditworthiness. With over 200 factors influencing a credit score, each model weighs these elements differently, meaning no two scoring systems are exactly the same. However, regardless of the model used, credit scores typically fall into these general ranges:

Excellent: 781–850
Good: 661–780
Fair: 601–660
Unfavorable: 501–600
Bad: Below 500

Understanding your credit score and how it’s calculated can help you make informed financial decisions and improve your overall financial health.

Your credit score will be updated automatically monthly and displayed in your Online & Mobile Banking portal.

If you would like to see an updated score before that simply click the "refresh score button as often as once a day.

You will be automatically enrolled the first time you log in to your Online & Mobile Banking account.

This is a great free tool for our members, so we are sad to see you go. To opt out, click into the SavyMoney widget and then click resources < profile settings < scroll to the bottom and click deactivate credit score account.

Nope! SavyMoney is 100% free for our members and a great way to stay on top of your finances.

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