Credit Score

powered by SavvyMoney

Your credit scores determine a lot more than the loans you can get and the interest rates you pay. Insurers use credit scores to set premiums for auto and homeowner’s coverage. Landlords use them to decide who gets to rent their apartments. Credit scores determine who gets the best cell phone plans and who must make bigger deposits to get utilities.

Take this Credit Score Quiz offered by the Consumer Federation of America to see how much you know about credit scores. Then click on Credit Score in FCCU’s digital banking to find out more about your credit scores.

credit score demo

Credit Score powered by SavvyMoney FAQs

Credit Score powered by SavvyMoney is a free service offered through online banking to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, show you how you can improve it and see ways you can save money on new and existing loans with First Commerce.

It is only available through online banking and can be accessed one of two ways. First, you can click on the widget on the right-hand side of your screen (or selecting MORE on mobile apps); or you can select Credit Score under the Services tab on the left-hand navigation bar.

When you first click one of the links, you’ll be asked to provide personal data such as date of birth or your social security number so that Credit Score can access your credit report and score. You’ll then be presented authentication questions to verify your identity. You will only need to do this the first time you log in to Credit Score.

Have Another Question?
Simply stop in any of our Financial Centers or call a Member Service Representative at 850.488.0035

What is Credit Score powered by SavvyMoney?

SavvyMoney is a comprehensive Credit Score program offered by FCCU, 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 opportunities that can help reduce your interest costs. With this program, you always know where you stand with your credit and how FCCU 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 you keep an eye out for identity theft.

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What is a SavvyMoney Credit Report?

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 file. Like Credit Score, when you check your credit report, there will be no impact to your score.

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Is there a fee?

No. SavvyMoney is entirely free to you and no credit card information is required to register.

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How often is my credit score updated?

As long as 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.

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How does the Credit Score powered by SavvyMoney differ from other credit scoring offerings?

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 a better picture of their credit health.

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Why do credit scores differ?

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 two scoring models are completely identical.

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Will FCCU use Credit Score powered by SavvyMoney to make loan decisions?

No, FCCU uses its own lending criteria for making a loan.

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Will SavvyMoney share my credit score with FCCU?

No, your Credit Score powered by SavvyMoney is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans.

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How does Credit Score powered by SavvyMoney keep my financial information secure?

SavvyMoney uses financial institution-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.

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If FCCU doesn’t use Credit Score powered by SavvyMoney to make loan decisions, why do we offer it?

Credit Score powered by SavvyMoney 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 to apply when we think you’ll be able to save money on your new and existing loans with FCCU.

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What if the information provided by Credit Score powered by SavvyMoney appears to be wrong or inaccurate?

The Credit Score powered by SavvyMoney 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 and then pursuing corrections 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.

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Will accessing Credit Score powered by SavvyMoney ‘ding’ my credit and potentially lower my credit score?

No. Checking Credit Score powered by SavvyMoney is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your creditworthiness when you apply for loans.

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Does SavvyMoney offer credit report monitoring as well?

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile. This is not a replacement for CyberScout our ID Theft protection, which does much more than just monitor your credit.

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How do members change their email address or other personal information in SavvyMoney?

Your email address will get updated automatically in SavvyMoney when you update it in digital banking. You can do this by selecting Services<Manage Contact Info and updating your contact information.

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Can members use SavvyMoney on mobile devices?

Yes. Credit Score powered by SavvyMoney is available for both mobile and tablet devices and is integrated inside our mobile application.

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Who has access to my Credit Score powered by SavvyMoney and Credit Report?

If you share a login with other joint account holders, they will be able to see your SavvyMoney information. If they have their own login and you do not share your login credentials with anyone, then you will be the only person with access to your credit score and report information.

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