Credit Sense offers members access to their credit score, full credit report, credit monitoring and money saving opportunities; all at no-cost to you and through our convenient online and mobile banking.
What you get
Credit Sense helps you better understand the factors that make up your credit score, provides action items you can make to improve your score, and access to your full credit report and credit monitoring to help prevent identity theft.
Credit Sense is quick and easy to sign up through our online and mobile banking.
Q. What is SavvyMoney Credit Score?
A. SavvyMoney is a comprehensive Credit Score program offered by WESLA FCU, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.
Q. What is SavvyMoney Credit Report?
A. SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, 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. Like Credit Score, when you check your credit report, there will be no impact to your score.
Q. Is there a fee?
A. No. SavvyMoney is entirely free and no credit card information is required to register.
Q. How often is my credit score updated?
A. As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click "refresh score" as frequently as every day by navigating to the detailed Credit Sense site from within online banking.
Q. How does the SavvyMoney Credit Score differ from other credit scoring offerings?
A. SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equaifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.