Credit Score & Report

Take control of your credit score with our tool powered by SavvyMoney.

Access your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score.

The member benefits of the credit score tool support our mission of Financially Empowering Central Iowa:

It’s free without third-party ads
Zero credit impact
Daily credit score refresh available
Credit monitoring alerts
Full credit report
Credit score simulator
Credit scorecard and tips
Credit score education
Conveniently built into Online & Mobile Banking

Begin using Credit Score & Report free, right now! Simply enroll inside Online Banking or our Mobile Banking app.

Frequently Asked Questions

SavvyMoney is a comprehensive Credit Score program offered by MEMBERS1st Community Credit Union 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.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you with 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.

No. SavvyMoney is entirely free and no credit card information is required to register.

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 SavvyMoney site from within online banking.

No, you can refresh your credit score daily and it will not impact your score whatsoever.

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: Equifax, 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.

Additionally, SavvyMoney is a service built into your MEMBERS1st Online & Mobile banking services, so there’s no additional login, no ads, and no security concerns.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. 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, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

No, MEMBERS1st uses its own lending criteria for making a loan.

Have more questions? We’re happy to answer them! Call us at 800-245-6199 or submit a contact form.