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Free Credit Score

Credit Score Powered SavvyMoney

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, education and more. Enroll to access your Credit Score & Report in our mobile app and online banking (available under the 'Financial Services' menu). Select the 'more' option within mobile to access menus.

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Credit Score

Unlimited access to your score and credit report. Check and refresh daily without impacting your score.

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Credit Monitoring

Enroll to receive emails alerts that provide early notification of potential fraud or ID theft.

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Score Simulator

The tool will share how much your credit score might increase or decrease based on your specific financial decisions.

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Goals

Create a credit score goal, receive recommendations, and track your progress. Make changes at anytime and get messages when you meet milestones and when you achieve your goal.

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Education & Recommendations

Receive personalized product offers. Access educational articles on a variety of topics and access tips to optimize your financial health.

Frequently Asked Questions

  • We know your credit score’s importance to financial well-being, so we offer Credit Score, conveniently accessed within mobile banking. Credit Score is FREE to our members, and you can check and refresh your credit score and credit report daily without impacting your score. Do you want to improve your credit score to achieve those goals? Whether buying a house, a car, or anything requiring a loan or if you’re going to rent a new apartment or improve your overall creditworthiness, Credit Score can help you.

    With Credit Score, you can set a credit score goal, receive personalized recommendations, and track your progress toward your goal. You can edit your goal anytime, and you will receive messages when meeting milestones to encourage you along the way.

    And there is more! You can access the following features:

    • Personalized Credit Report
    • Real-Time Credit Monitoring Alerts
    • Credit Score Simulator
    • Credit Score Action Plan
    • Credit Score Education

    Are you ready to reach your financial goals? You got this! Enroll in Credit Score today. Ready, Set, Goal!

  • An essential part of your financial health is to keep an eye on your credit score. Credit scores have become such an integral part of our everyday lives. That’s why it’s extremely important that you keep track and understand how your financial decisions affect those three numbers. Our easy-to-use Score Simulator within Credit Score, available online and on the app. The Score Simulator can take the “what ifs” and generate an approximate credit score that will help you see where you stand. The simulator is an easy way to gain valuable insights into your future eligibility for loans and credit cards.

    How does the Credit Score Simulator work? The tool will share how much your credit score might increase or decrease based on your specific financial decisions.

    Financial decisions such as:

    • Applying for new credit
    • Getting a new loan
    • Managing your credit card balances
    • Managing your payment activity
    • Making payments on time
    Discover how different financial decisions can impact your credit score, and financial health while making reaching your goals easier than ever.

    Simulate Your Score. See Where You Stand. Now.

  • Did you know identity theft occurs once every 22 seconds? With SFCU’s FREE credit monitoring, give yourself the gift of credit score protect. By enrolling in our Credit Score solution, located within online access and our mobile app, you will get alerts when your credit report changes. These alerts provide you with early notice of potential fraud and identity theft on your credit report, so you can take steps to protect your personal information.
    Here are some more benefits of Credit Score:
    • Daily Access to your Credit Score
    • Credit Score Simulator
    • Personalized Credit Report
    • Credit Report Error Dispute
    • Credit Score Education

    You can also see your credit score, download your full credit report, and dispute any errors with the credit bureau securely within the app. Give yourself the peace of mind and protection you deserve — the gift of credit monitoring.

  • An updated score will display every 7-days. Users can also click ‘refresh score’ every 24 hours.

  • Each credit bureau has its process for correcting inaccurate information, but every user can “File a Dispute” by clicking on the “Dispute” link within the Credit Score credit report.

  • No. Checking credit score on Credit Score is a “soft inquiry” which does not affect your credit score.

  • No, we use our lending criteria when making final loan decisions and do not access SavvyMoney Credit Scores.

We will be CLOSED Saturday, May 25th and Monday, May 27th in observance of Memorial Day. If you are contacted and asked to provide your online banking credentials, passwords or any other SFCU account information, do not share this confidential information! Immediately hang up and call us at the phone number provided on our website during regular business hours. Scammers may try to represent themselves as SFCU staff or create a sense of urgency. Do not become a victim of fraud.