Credit Insight
Take control of your credit. For free.
Understanding your credit shouldn't be complicated. With Credit Insight powered by SavvyMoney, you can access your credit score and credit report, monitor changes to your credit profile, explore ways to improve your score, and discover opportunities to save money on loans and credit products.
Best of all, this service, powered by SavvyMoney®, is available at no cost through our online and mobile banking platforms.
What You Can Do with Credit Insight
View Your Credit Score Anytime
Stay informed about your credit health with ongoing access to your credit score. Your score is automatically updated every seven days, and you can refresh your score and full credit report every 24 hours from within the Credit Insight dashboard.
Access Your Full Credit Report
See the same information found in your credit file, including:
- Current and past credit accounts
- Loan information
- Payment history
- Credit utilization details
- Credit inquiries
- Public records reported to the credit bureaus
Checking your credit report through Credit Insight is considered a soft inquiry and will never impact your credit score.
Monitor Your Credit
Credit monitoring is automatically included when you enroll. Your credit file is scanned daily, and you'll receive alerts when important changes occur, including:
- New accounts opened
- New credit inquiries
- Delinquent accounts
- Bankruptcy filings
- Fraud alerts
- Changes to your address or employer information
- Public records added to your file
- Previously delinquent accounts returning to current status
Alerts can be delivered through digital banking and email notifications.
Test “What If” Scenarios with the Score Simulator
Ever wondered how paying off a credit card or opening a new loan might affect your score? The interactive Score Simulator allows you to explore potential outcomes before making financial decisions. You can model different scenarios and better understand how actions may influence your credit score.
Using the simulator does not affect your credit.
Learn More About Your Credit Score
Credit Insight uses credit information from TransUnion®, one of the nation's major credit reporting agencies, along with the VantageScore® 3.0 scoring model. While other lenders may use different credit bureaus or scoring models, Credit Insight gives you a reliable and consistent view of your overall credit health.
Understanding Your Score Range
| Score Range | Rating |
|---|---|
| 780–850 | Excellent |
| 660–779 | Good |
| 600–659 | Fair |
| 500–599 | Unfavorable |
| Below 500 | Deficient |
Higher credit scores may help you qualify for better loan terms, lower interest rates, and additional financial opportunities.
Discover Opportunities to Save
Credit Insight helps identify products and offers that may fit your financial profile. Depending on your credit history and eligibility, you may see:
- Loan refinance opportunities
- Credit card offers
- Other financing options that could lower payments or reduce interest costs
You'll also have access to educational articles and resources designed to help you improve your financial wellness and make informed credit decisions.
Your Privacy Matters
Protecting your personal information is a top priority. SavvyMoney uses bank-level security, encryption, and advanced monitoring systems designed to safeguard your data from unauthorized access and online threats. Their security controls are regularly reviewed and audited to help maintain high standards of protection.
Importantly:
- Your Credit Insight information is not shared with us unless you choose to provide it.
- Accessing Credit Insight does not impact your credit score.
- No credit card is required to enroll.
Frequently Asked Questions
Is Credit Insight free?
Yes. Credit Insight is provided at no cost to our digital banking users.
Will checking my score lower my credit score?
No. Credit Insight uses soft inquiries, which do not affect your credit score.
Can I use Credit Insight on my mobile device?
Yes. Credit Insight is fully integrated into our mobile banking app and can be accessed on smartphones and tablets.
How often are my score and report updated?
Your credit score updates automatically every seven days. You can also manually refresh your score and full report every 24 hours.
What if I find incorrect information on my credit report?
You can initiate a dispute directly from within your Credit Insight report. We also encourage reviewing your credit reports from all major credit bureaus through AnnualCreditReport.com.
Will Credit Insight be used for loan decisions?
No. Credit Insight is an educational and financial wellness tool. Loan applications are evaluated using our standard lending practices and underwriting criteria.
Ready to Get Started?
Log In to Online BankingLog in to online banking or our mobile banking app and enroll in Credit Insight powered by SavvyMoney to start monitoring your credit, exploring ways to improve your score, and identifying opportunities to save.
Know your score. Understand your credit. Make informed financial decisions.