Staying on top of your credit score has never been easier.
We’ve partnered with Savvy Money to provide you access to your credit score and full credit report at any time, free of cost — because we know your time is important, and so is your financial health.
Access your real-time credit score, credit report, and personalized financial tips to keep you on track all in one click!
You can do this anytime, anywhere, for free.
Log in to your Online Banking account to get started!
Free Access
Get your daily credit score, monthly credit report, and credit monitoring all at no cost to you!
Daily Credit Score Updates
Track your credit score daily. Pull your updated credit score every 24 hours! Your score will never be negatively affected.
Improve Your Credit
You can take simple actions that guide you to improve your credit. Dispute negative claims easily within the platform.
Save Money
Find what loans you can get better interest rates on in one place. View how much lowering your interest rate can save you.
How To Get Started With Savvy Money
Step 1: Login
Log in to Online Banking or the Harvard FCU App
Step 2: Navigate
Look for “Get Your Credit Score” or “Your Credit Score”, then click the button below.
Step 3: Enroll
Sign up and you’re all set!
Your Credit Score.
Daily. And Secure.
Frequently Asked Questions
Savvy Money helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Yes. Savvy Money will monitor and send email alerts when there has been a change to your credit profile.
Savvy Money is entirely free to Harvard FCU members.
Savvy Money is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
Savvy Money makes its best attempt to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Harvard FCU Savvy Money user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Savvy Money. Transunion will share this with the other bureaus if the inaccuracy is verified.
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models(FICO or VantageScore) determine credit scores. Financial institutions use different bureaus as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
Harvard FCU uses its own lending criteria for making loan decisions.