If you've ever checked your credit score online and noticed that it doesn't match the score a lender provided, you're not alone. Many consumers are surprised to learn that there isn't just one credit score. Different scoring models can calculate your creditworthiness in different ways, resulting in different scores.
CreditSavvy
CreditSavvy1 gives you a more robust tool for accessing credit score insights for free within Online Banking and our mobile app.2
Your credit score, and more
Daily score updates
Refresh your score daily, understand what factors are affecting it, and get personalized tips to help improve your credit over time.
Credit monitoring
Stay informed with real-time alerts on changes to your credit profile, helping you quickly spot activity and stay in control.
Credit report access
Review your full credit details anytime and dispute inaccuracies if something isn't right—all in one place.
Goal tracking
Set personalized goals, track your progress toward better credit, and stay motivated with milestone updates.
Personalized insights
Access your Financial Wellness Score that lets you know where you stand and how you can improve. Get personalized insights to guide your spending and saving.
Score simulator
See how actions like paying down debt or opening new accounts could affect your credit score before making a decision.
Get to know CreditSavvy
CreditSavvy is a free tool that helps you understand and manage your credit. You can view your credit score, monitor changes to your credit profile, and access personalized insights to help you make informed financial decisions.
No. Accessing your credit score using CreditSavvy does not impact your credit.
Yes, it is possible that the score available in CreditSavvy will differ from the FICO® Score previously available in Online Banking and our mobile app. CreditSavvy is powered by the VantageScore® 3.0 model. While both VantageScore® and FICO® use a 300-to-850 scale, their formulas weigh credit report data differently and can yield different scores.
Score Simulator helps you see how actions like paying down debt or opening a new account may impact your credit score. Test real 'what-if' scenarios before you act and explore:
- How paying down debt could shift your score.
- The potential effect of a new credit application.
- What raising your credit limit might mean for you.
Using the tool will not affect your actual credit score.
Yes. CreditSavvy uses industry-standard security measures to help protect your personal information.
How to use CreditSavvy
As a GECU member, you can access CreditSavvy through Online Banking or the mobile app.
Desktop:
- Log in to Online Banking.
- Select Credit Score.
- Review and accept the terms and conditions.
Mobile:
- Log in to the mobile app.
- Select the More menu.
- Tap Get CreditSavvy from the top of the screen.
- Review and accept the terms and conditions.
To change email alert preferences, go in to CreditSavvy, select Resources from the top menu. Then select Profile Settings. From here, you can check or uncheck their email notifications.
Your contact information is managed through Online Banking and our mobile app. When you update your email address or other personal information with GECU your CreditSavvy profile will automatically reflect those changes, helping ensure you continue to receive important notifications and alerts.
You can initiate a dispute directly through CreditSavvy by selecting the Start a Dispute or Dispute option within your credit report.
Credit isn’t one-size-fits-all; it comes in various forms, each serving a unique purpose in your financial life. From revolving credit like credit cards to installment loans like mortgages and auto loans, each type plays a role in shaping your credit mix.
Bills—they’re the quiet constants of adult life. Whether it’s utilities, rent, subscriptions, or those "buy now, pay later" installments, they keep coming around like clockwork. Staying on top of them isn’t just about keeping the lights on—it could also influence your credit score.
This top-rated app is where it's at
All it takes is a quick download to open up lots of time-saving features you can use on the go.