Tracking your credit score is easier than ever—it can now be displayed right on your Online Banking dashboard. By staying in touch with your score, report and monitoring updates, you put yourself in the best position to truly discover financial freedom.
To get started, simply enroll in Online Banking or log in if you’re already enrolled.
More than one-third of consumers have found at least one error on their credit report. Errors on credit reports are not uncommon, so staying up to date, and reviewing your credit report is a must. SavvyMoney-Credit Score offers a variety of benefits including a download of your credit report to review anytime, anywhere. Common errors on credit reports include personal information like a wrong name or address or account information like an account you don’t recognize. You can dispute any errors you might see right within the tool!
That’s great that you’re staying on top of your financial health by monitoring your credit! SavvyMoney-Credit Score is built into the safety and security of our online banking and mobile banking platforms. SavvyMoney-Credit Score doesn’t allow other third-party lenders to see any of your credit profile data like some other credit monitoring tools do to allow them to provide you with offers for their products. Instead, you’ll only see valuable products and services from Midland Credit Union so you know when you have a savings opportunity at your fingertips!
Great news! It doesn’t affect your credit profile or score in any way! SavvyMoney-Credit Score performs a soft inquiry when you enroll or refresh your credit profile instead of a hard inquiry like when you apply for a loan.
To enroll, you first have to be logged in to our secure online banking or mobile platform. Your credit information is never shared to third parties. While you may see offers from Midland Credit Union based on your credit profile, the credit union does not have access to your credit report from SavvyMoney-Credit Score unless you provide us with a copy to review opportunities we may be able to help with.
YES! We encourage you to enroll so that you may closely monitor your credit profile and report any errors in a timely manner. Remember that if you see an offer you’d like to apply for, you will need to remove the block or freeze prior to submitting your loan application so our lending team can review your request.
SavvyMoney-Credit Score is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.
Credit monitoring tools like SavvyMoney-Credit Score use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical but are directionally the same. If your score goes up based on your credit activity in SavvyMoney-Credit Score, you might see an increase in the scores we pull for loan applications as well.
What if I see an error on my credit report?
If you happen to see an error on your credit report, you can file a dispute directly with TransUnion at the bottom of the Credit Report page by clicking on “Start a Dispute”. You will need to create an account or login to TransUnion’s website and then submit your dispute. TransUnion will begin their research and if they find that the error is valid, they will update your credit profile and pass the error information on to Equifax and Experian. You may need to follow up with the other two bureaus to ensure your errors have been corrected.
A: Yes! It’s also important to note that no credit card information is required to register.
A: You are automatically enrolled in SavvyMoney-Credit Score when you accept the Online Banking Terms & Agreement presented to them during online banking account registration.
A: Yes! You can choose to opt-out of the enrollment during the welcome tutorial displayed after clicking on the widget in desktop or tile in mobile, in the welcome email that is sent to you at enrollment, or in the SavvyMoney-Credit Score site under Resources > Profile Settings, scroll to the bottom of the page and select “Deactivate Credit Score Account.” Once unenrolled, you could choose to reenroll at any time through online or mobile banking.
A: Yes! Navigate to the “Start A Dispute” button at the very bottom of the Credit Report page. You can file a dispute directly with TransUnion using this link.
A: Yes! On the Credit Report page, you can click “Download Report” in the top right corner. A PDF version of your full report will generate. You can choose to print or share your report electronically from there.
A: Yes! You can receive credit alerts, monthly notices, and general messages from SavvyMoney-Credit Score.
A: In SavvyMoney-Credit Score you can manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings” and changing your preferences under Email Notifications. You can also change your subscription settings at the bottom of emails you receive.
A: If you do not log in to online or mobile banking for 120 days, your SavvyMoney-Credit Score will go inactive, and you will be unenrolled. To reenroll, you would follow the normal enrollment procedures and you would regain access to your profile information.
A: Vantage 3.0
A: Equifax
A: Yes. Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions/lenders use different bureaus, as well as scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.
A: Every 24 hours. Your profile will automatically be refreshed every 7 days if you haven’t refreshed within that timeframe to ensure you’re always seeing up-to-date information.
A: No. Checking credit scores on SavvyMoney-Credit Score is a “soft inquiry” that does not affect your credit score.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2025 Midland Credit Union. All Rights Reserved.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2025 Midland Credit Union. All Rights Reserved.
