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SavvyMoney Credit Score

Free ongoing credit score, reporting, and monitoring

SavvyMoney Credit Score

Now you can always know where you stand with your credit.

KEY BENEFITS

  • 免费访问您的信用评分,完整的信用报告,和信用监控
  • 你可以跟踪你的信用评分每天(高达每24小时)-你的分数永远不会受到负面影响
  • 使用分数模拟器,看看如果你采取某些行动,你的分数会发生什么变化
  • 不需要安装额外的应用程序,也不需要学习额外的工具——只需在你的哪个赌钱app比较好或移动应用程序中呈现
  • 来自Elements的省钱建议,可以帮助你降低利息成本

How do I see my credit score in Online Banking?

通过我们的合作伙伴SavvyMoney看到您的信用评分的能力是建立在哪个赌钱app比较好,只是等待您点击它. 

On your computer, log in to Online Banking. 点击右边的红色“检查您的评分”按钮,或者点击左侧导航菜单中的“特色工具”,然后点击“信用评分”,即可访问您的信用评分. If it’s your first time to access your credit score, 我们会问你一些第一次访问的问题来验证你的身份. Next time you visit Online Banking, 任何一种访问方法都会将您带到您的SavvyMoney仪表盘和您的信用评分.

在应用程序中,点击“精选工具”,然后点击左侧菜单导航中的“信用评分”即可开始.

Log In to Online Banking

Can I really see my credit score anytime and at no cost?

Yes! SavvyMoney是完全免费的,注册时不需要信用卡信息. 你可以每24小时通过点击SavvyMoney部分的“刷新分数”来拉你更新的信用评分. An updated full credit report is available monthly. 

To access SavvyMoney credit program features, log in to Online Banking.

Is the SavvyMoney credit score different from a FICO credit score?

SavvyMoney提供的分数不是FICO分数,但它将接近您的FICO分数. 这两种评分都创建了使用消费者信用数据生成信用评分的评分模型, but they use different methods to calculate scores, which may result in slight scoring differences.

There are three major credit-reporting bureaus (Equifax, Experian, 和Transunion)以及两个评分模型(FICO或VantageScore)来确定信用评分. Financial institutions choose which bureau and scoring model to use. 在计算分数时,一份信用报告可能会考虑200多个因素, 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.

SavvyMoney从TransUnion提取你的信用档案,并使用VantageScore 3.0, 一个由三大信用机构Equifax合作开发的信用评分模型, Experian, and TransUnion. 这个模型试图使三个局之间的评分信息更加统一,从而为消费者提供他们的信用状况更好的画面.

Can I get alerts about my credit score?

Yes!

Did you know that Elements gives you free access to your credit score, full credit report, and credit monitoring? 要开始收到关于您的信用评分的电子邮件通知,只需登记在我们 SavvyMoney credit monitoring service within Online Banking by following the steps below:

  1. Log in to Elements Online Banking.
  2. In the Menu, click on “Featured Tools” and then “Credit Score.”
  3. 输入所要求的信息在SavvyMoney注册,并提取您的信用文件. (This is a soft pull and will not affect your score.)
  4. On the next screen, you will see your credit score.
  5. 就这样-你现在可以即时访问你的信用评分,并通过电子邮件收到信用评分更新和每月信用快照.

 

Types of Credit Score Emails You Will Get

  • When you’re enrolled in SavvyMoney free credit monitoring with Elements, you will receive the following email alerts:
  • Monthly Credit Snapshot -概述你的信用评分和报告在过去一个月发生了什么变化.
  • Credit Score Update -当您最新的信用评分和报告卡准备好查看时,一个电子邮件提醒.
  • Credit Report Monitoring -一个电子邮件提醒你,当一个新的帐户已经打开,并显示在你的信用报告.

To opt out of any of these email alerts, 点击邮件底部的“取消订阅”或“管理订阅”,并按照提示进行操作.

 

Log In to Online Banking

阅读更多有关SavvyMoney信用项目的常见问题…

如果我的信用报告上的一些信息出现错误或不准确怎么办?

SavvyMoney信用程序尽其最大努力显示您的信用报告中最相关的信息. If you think that some of the information is wrong or inaccurate, 我们鼓励您利用免费的信用报告从 www.annualcreditreport.com, and then pursuing with each bureau individually. 每个部门都有自己的流程来纠正不准确的信息,但每个用户都可以通过点击他们的SavvyMoney信用报告中的“争议”链接来提出争议. The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

为什么我会在哪个赌钱app比较好的SavvyMoney部分看到Elements的产品介绍和金融教育文章?

Based on your SavvyMoney credit score information, 您可能会收到您感兴趣的Elements产品的报价. 在大多数情况下,这些优惠可能比你已有的产品有更低的利率. The educational articles, written by Jean Chatzky and the SavvyMoney team, 旨在为您提供如何明智地管理信贷和债务的有用提示.

访问我的SavvyMoney信用评分是否会ping我的信用并可能降低我的信用评分?

No. 检查您的SavvyMoney信用评分是一个软查询,它不会影响您的信用评分. 当你申请贷款时,借贷者通过严格的询问来决定你的信用状况.

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