SavvyMoney Credit Score

SavvyMoney Credit Score

Staying on top of your credit has never been easier.

Introducing Credit Score


  • Access your credit score
  • View your full credit report
  • Credit monitoring
  • Financial tips, and education

You can do this ANYTIME and ANYWHERE and for FREE inside Online and Mobile Banking.

iPhone users: Be sure to be using the latest app version 5.2.6. Go to the App Store and search IFCU Mobile Banking, and click "Update".


  • Access your credit score anytime and anywhere
  • Protect your identity by reviewing your credit report
  • Improve your score with in-app suggestions
  • Save money with personalized offers from IFCU

Credit Score

Getting Started

To get started you must be enrolled in Online or Mobile banking and sign up for Credit Score.
Once you have signed up, Credit Score will always be available when you log in to IFCU Digital Banking!

  1. Enroll in Online or Mobile Banking
  2. Sign in to Online or Mobile Banking
  3. Locate the Credit Score widget
  4. Click "Show My Score"
  5. Accept terms and conditions - that's it!

Credit Score

Your credit score is available in an easy-to-read dial, along with scorecards for the different areas that make up your score. Review the line graph to see how your score has changed over time

Recommended Improvement Actions

When you click into the scorecards, you can see recommended actions to improve the category. In this example for credit usage, it recommends to pay off credit cards to decrease the percentage of used credit.

Credit Report

The credit report provides an overview of all of your open accounts included in your credit report. Each item expands, giving additional details of the account. Here you are also able to start a dispute for any inaccurate information.

Score Simulator

Simulate different actions that you could take when it comes to applying for credit. This tool gives you more control and understanding of how your credit score can change and what impacts it.

Loans & Offers

Credit Score works for you, providing recommended offers from IFCU to helping you get a lower interest rate or save money on your existing loans and credit cards.


Stay up-to-date on your credit score and report. The alerts page lists new changes to your score and report. You can also receive emails when there is a change to your credit report.


How do I see my credit score in Online and Mobile Banking?

The ability to see your credit score through our partner SavvyMoney is built into Online and Mobile Banking and just waiting for you to click on it.

On your computer, log in to Online Banking. Access your credit score by clicking on the red “Check Your Score” button on the right.

On the Mobile App, log in and access your credit score by clicking on the red “Check Your Score” button on the top.

Can I really see my credit score anytime and at no cost?

Yes! SavvyMoney Credit Score is entirely free for IFCU members. You can pull your updated credit score up to every 24 hours by clicking “Refresh Score” in the SavvyMoney section of Online Banking. An updated full credit report is available monthly.

To access SavvyMoney credit program features, log in to Online Banking.

Will accessing Credit Score -ding - my credit and potentially lower my credit score?

Credit Score is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for a loan.

How often is the credit score updated?

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.

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

The SavvyMoney credit program 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 IFCU user can "File a Dispute" with TransUnion by clicking on the “Dispute” link within their SavvyMoney Credit Report. TransUnion will share this with other credit bureaus if the inaccuracy is verified.

Free Financial Calculators

Access our complete library of both loan and deposit calculators.



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