Free ongoing credit score, reporting, and monitoring
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With the SavvyMoney credit program, you can get your latest credit score, an understanding of key factors that impact the score, 并查看可以帮助您降低利息成本的最新报价. 你可以每天跟踪你的信用评分，你的评分永远不会受到负面影响.
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You will also get a full credit report once a month, 包括你在信用档案中找到的所有信息，如未偿还贷款清单, 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. 当您检查您的信用报告，将不会影响您的分数.
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SavvyMoney信用程序还会每天监控你的信用报告，如果发现有任何重大变化，比如新开户，就会通过电子邮件通知你, change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring helps you keep an eye out for identity theft.
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Financial decisions cause your score to move up or down. 通过选择您可能采取的操作来模拟您的信用评分，并查看评分的反应. Use the interactive tool to simulate credit or loan applications, balance transfers, credit inquiries, missed and on-time payments, credit pay-offs, and more.
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.
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.
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.
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:
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.
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.
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.
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.
