Where Can I Get My Credit Score,

You actually have more than one credit score. Credit scores are calculated based on the information in your credit reports. If the information about you in the credit reports of the three large consumer reporting companies is different, your credit score from each of the companies will be different. Lenders also use slightly different credit scores for different types of loans. Check your credit card or other loan statement. Many major credit card companies and some auto loan companies have begun to provide credit scores for all their customers on a monthly basis.

The score is usually listed on your monthly statement, or can be found by logging in to your account online. Talk to a non-profit counselor. Non-profit credit counselors and HUD-approved housing counselors can often provide you with a free credit report and score and help you review them. Use a credit score service. Many services and websites advertise a “free credit score.” Some sites may be funded through advertising and not charge a fee.

Other sites may require that you sign up for a credit monitoring service with a monthly subscription fee in order to get your “free” score. These services are often advertised as “free” trials, but if you dont cancel within the specified period (often as short as one week), you could be on the hook for a monthly fee.

Before you sign up to try one of these services, be sure you know what you are signing up for and how much it really costs. Buy a score. You can buy a score directly from the credit reporting companies. Other services may also offer scores for purchase. If you decide to purchase a credit score, you are not required to purchase credit protection, identity theft monitoring, or other services that may be offered at the same time. Some credit score sources provide an "educational" credit score, instead of a score that a lender would use.

The CFPB published a report on the differences between educational scores and those used by lenders. For most people, an educational score will be close to the scores lenders use and can be helpful for consumers. But the scores can be quite different for some. Our report found a meaningful difference for one out of four people. When choosing where to get your credit score, find out what kind of score it is. Your credit scores are calculated based on the information in your credit reports. If there are errors on your credit reports, they can reduce your scores unnecessarily.

Each Credit Check Monitor Premier service offers information for a fee; although the exact information provided and the price you pay for it may differ slightly between companies. To help in reducing the overall effort involved, it can be worth exploring the option of using a service such as Usaa Creditcheck. Usaa Creditcheck offers a convenient way to keep up to date with your personal credit report. Unlike other credit report services, this option will provide you with the information that is compiled and held by a number of specialist organizations as opposed to just one agency. You can minimize the risk of this happening by checking your credit report for accuracy. If the report contains any unknown transactions, this should ring alarm bells in your head.

I thought I already signed up for SavvyMoney, Now that this service is available directly within Online Access rather than via a separate website, you’ll need to re-enroll. Don’t worry, signing up is quick and easy! Who can access SavvyMoney, Within Online Access, SavvyMoney is available to the primary account holder of a CU1 account.

What does SavvyMoney cost, Log in as often as you want to check your score. How does Credit Union 1 receive my credit score, Credit Union 1 has teamed up with a trusted third-party service provider, SavvyMoney, to deliver your credit score directly to you. We do not intercept this information from SavvyMoney, therefore, no CU1 employee can see your SavvyMoney credit score.

It is confidential and available only for you to view within Online Access. In addition, SavvyMoney will never share your personal information with outside entities! How does SavvyMoney keep my financial information secure, The security of our members’ financial information is our top priority. Our SavvyMoney service provider also applies its own security measures to SavvyMoney, and this service is certified by McAfee SecureTM, TRUSTe, and Norton Secured. Please note, when you accept the terms of service for SavvyMoney, you are providing your personal information such as name, date of birth, and Social Security Number to SavvyMoney.

Is SavvyMoney an actual credit report, No. SavvyMoney shows your VantageScore credit score, which ranges from 300 to 850, along with key factors from your credit report that impact your score. It doesn’t include an actual credit report (a detailed report of credit history). However, Credit Union 1 is always happy to meet with you one-on-one to review your credit report and discuss strategies for raising your score.