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SavvyMoney

Enjoy the power to take control of your credit score with comprehensive credit score analysis, full credit report, monitoring, and personalized offers. Additional features include:

Free access to your credit score, full credit report, and credit monitoring
Track your credit score daily (up to every 24 hours) — your score will never be negatively affected
Use the Score Simulator to see what happens to your score if you were to take certain actions
No extra apps to install or additional tools to learn — it’s all presented simply within your online banking or mobile app
Money-saving offers that can help you reduce your interest costs

Frequently Asked Questions

How do I see my credit score in online banking?

Simply log in to online banking and click on the red “Check Your Score” button on the right or by clicking “Featured Tools” then “Credit Score” in the navigation menu on the left. If it’s the first time accessing your credit score, we’ll ask you a few first-time visitor questions to verify your identity. Next time you visit online banking, either access method will bring you to your SavvyMoney dashboard and your credit score.

On the app, click on “Featured Tools” then “Credit Score” in the left menu navigation to get started.

Can I really see my credit score at any time at no cost?

Is the SavvyMoney credit score different than the FICO® score?

The score provided in SavvyMoney is not the FICO^® Score, but it will be close to your FICO^® Score. Both scores create scoring models that use consumer credit data to generate credit scores, but they use different methods to calculate scores, which may result in slight scoring differences.

There are three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO^® Score or VantageScore) that determine credit scores. Financial institutions choose which bureau and scoring model to use. 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 fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

SavvyMoney pulls your credit profile from TransUnion 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.

Can I get alerts about my credit score?

Yes! To start getting email notifications about your credit score, simply enroll in our SavvyMoney credit monitoring service within online banking by following the steps below:

Log in to TruMark Financial’s online banking
In the Menu, click on “Featured Tools” and then “Credit Score”
Enter the requested information to enroll in SavvyMoney and pull your credit file (this is a soft pull and will not affect your score)
On the next screen, you will see your credit score
That’s it – you will now have instant access to your credit score and receive credit score updates and a monthly credit snapshot via email

Types of credit score emails you will get

When you’re enrolled in SavvyMoney free credit monitoring with TruMark Financial, you will receive the following email alerts:

Monthly credit snapshot – an overview of what changed on your credit score and report in the last month
Credit score update – an email alert when your latest credit score and report card are ready for viewing
Credit report monitoring – an email alerting you when a new account has been opened and is showing on your credit report

To opt out of any of these email alerts, click on either “Unsubscribe” or “Manage Subscriptions” in the footer of the email and follow the prompts.

SavvyMoney

How do I see my credit score in online banking?

Can I really see my credit score at any time at no cost?

Is the SavvyMoney credit score different than the FICO® score?

Can I get alerts about my credit score?

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