All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.

Your Credit Score.

And More.

Staying on Top of Your Credit Has Never Been Easier.

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education, all without impacting your credit score.

Get started with Credit Score powered by Savvy Money® - available to Smart Financial members for free!

credit score

What is Credit Score?

Download the Smart Financial Credit Union App:

App Store
Google Play

Enroll today and start using Credit Score and More:

1
Log into the Smart Financial Credit Union app.
2
Select "Get your free credit score".
3
Authorize Savvy Money®
4
You're ready to start using Savvy Money® Credit Score.

Frequently Asked Questions

What is Credit Score and More?

Credit Score and More helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Does Credit Score and More offer Credit Monitoring as well?

Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for Credit Score and More?

Credit Score and More is entirely free to Smart Financial members.

Will accessing Credit Score and More "ding" my credit report and potentially lower my credit score?

Credit Score and More is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.

How often is the credit score updated?

The credit score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" as often as every day for an updated credit score.

What if the information provided by Credit Score and More appears to be wrong or inaccurate?

Credit Score and More make its best attempt to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Smart Financial Credit Score and More user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

Why do credit scores differ?

Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models(FICO or VantageScore) determine credit scores. Financial institutions use different bureaus as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

Will Smart Financial use Credit Score and More to make loan decisions?

Smart Financial uses its own lending criteria for making loan decisions.

THE SERVICES ARE PROVIDED BY SAVVYMONEY, INC. AND DO NOT REPRESENT ANY AGREEMENT BY SMART FINANCIAL CREDIT UNION TO PROVIDE ANY PRODUCT, SERVICE, OR OTHER BENEFIT. INFORMATION PROVIDED BY SAVVYMONEY, INC. IS FOR EDUCATIONAL PURPOSES ONLY AND IS INTENDED TO ASSIST YOU IN BETTER UNDERSTANDING THE FACTORS THAT INFLUENCE YOUR CREDIT SCORE. IT IS NOT USED FOR LOAN APPROVAL PURPOSES, OR FOR DETERMINING LOAN RATES. LOAN RATES AND APPROVALS ARE BASED ON INFORMATION PROVIDED TO THE CREDIT UNION WHEN YOU APPLY FOR A LOAN. THE CREDIT SCORE YOU MAY SEE FROM SAVVYMONEY MAY BE DIFFERENT FROM THE CREDIT REPORT SMART FINANCIAL MAY RUN AND WILL NOT BE USED AT A SPECIFIC TIME WHEN MAKING A REQUEST WITH SMART FINANCIAL FOR PRODUCTS REQUIRING A CREDIT SCORE. TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AT ANY TIME. ENROLLMENT IN ONLINE BANKING AND SAVVY MONEY REQUIRED. MESSAGE AND DAT RATES MAY APPLY. MUST BE A SMART FINANCIAL MEMBER TO ENROLL. NOT AVAILABLE FOR BUSINESS MEMBERS.