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A free, ongoing credit score report and monitoring program.

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a great way to monitor credit score

It's easier than ever to monitor your credit score by enrolling in SavvyMoney, a credit score simulator you can view directly inside your online banking account. You can enroll in SavvyMoney the next time you login to your account.

what is SavvyMoney?

SavvyMoney is a way for you to know where your credit score is. It is meant to be an educational and informational tool to serve as a guide in your financial wellness planning.

The number you see from SavvyMoney will not be used when making a request with United for products requiring a credit score check. It is only intended to help you monitor your credit score.

Stay On Top of Your Credit

Never miss a thing with alert notifications any time your credit file changes.

Monitor Your Score Daily

See the progress you are making with daily updates on your credit score. With no hard inquiries, you can check your updated score as many times as you'd like without worrying about affecting your score.

start monitoring your credit today with SavvyMoney

Login Log in to your United account.
Navigate Find Credit Score via the services tab.
Enroll Sign up and you're finished!


A: SavvyMoney is a comprehensive Credit Score program offered by United Federal 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 may be able to see offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how United 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.

A: SavvyMoney Credit Report provides you 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. Like Credit Score, when you check your credit report, there will be no impact to your score.

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

A: As long as you are a regular online banking user, your credit score will be updated periodically 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.

A: 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.

A: 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.

A: No, United uses its own lending criteria for making loan.

A: SavvyMoney's privacy policy can be found here.

A: SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. SavvyMoney's privacy policy can be found here.

A: SavvyMoney Credit Score 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 may also see offers on how you can save money on your new and existing loans.

A: 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, and then pursuing 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.

A: Based on your SavvyMoney Credit Score information, you may receive United offers on products that may be of interest to you. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

A: 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.

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

A: If you access SavvyMoney program through your online banking, you have to do nothing! Your email address will get updated automatically in SavvyMoney when you update it in online banking.

If you signed up with SavvyMoney from our website, please log into the website and click on your name displayed on top right of the screen. Select the Profile link from the drop down, and follow instructions to update your information.

A: Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application.