Free Credit Score & Report

Improving your credit just got easier.

Free Credit Score, Report and Monitoring

SavvyMoney Credit Score gives you real-time updates of your credit score and credit report. In addition, you can set up credit monitoring to alert you to any changes to your report. This FREE feature is available behind the security of Online and Mobile Banking.

Sign Up Today!

  • Log in to Online Banking. Not enrolled? Click on the ‘Login’ link at the far-right navigation above to get started.
  • Click on the graphic showing the average credit score in your neighborhood
  • Answer a few questions to verify your identity
  • Your score and report will then appear!

You will only have to go through these steps the first time you use SavvyMoney. From then on your score will be displayed when you login to Online Banking.

To access SavvyMoney from our Mobile App, click on the “More” tab and select “Credit Score.”

This ANECA Member Benefit is 100% Free.
Access your credit score, full credit report, and so much more.
All without impacting your credit score.

Having access to your credit score whenever you want provides you with a powerful tool to stay informed about your financial health, make informed decisions, and proactively work towards improving your creditworthiness.

Get notifications about changes in your credit report and score.

Utilize this tool to challenge inaccuracies on your credit report. Fixing these errors could potentially improve your score.

Personalized tips for boosting your credit health are right at your fingertips.

Spot exclusive money-saving lending offers from ANECA that could save you cash.

Visualize Your Credit Journey seeing how different financial choices impact your credit score – from adjusting card balances to new credit accounts – making it easy to plan smart moves.

Get Started Now!

Available through ANECA’s
Online & Mobile Banking

Not set up for Online/Mobile?

Send us a message to request activation.

Free Credit Score & Report FAQ’s

Powered by SavvyMoney

SavvyMoney is a comprehensive Credit Score program offered by your 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. 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.

If 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. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application. On the Mobile App, it is under the “More” menu and “Credit Scores”

No, ANECA uses its own lending criteria and credit bureau reports for decisioning a loan. SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate.

SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with ANECA.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

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 with a better picture of their credit health.

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 considered 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.

The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from Annual Credit Report.com – Home Page, and then pursuing action with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

SavvyMoney pulls the credit score based on the information of the primary account holder. If a Joint Account would like to benefit from this service, they should sign-up for a savings account where they are the primary account holder. Who doesn’t need a dedicated savings account for themselves anyway? You can do this online by clicking here.