POWERED BY SAVVYMONEY
Your credit score and more. Anytime. Anywhere.
All you have to do is log in.
Credit Score
POWERED BY SAVVYMONEY
Your credit score and more. Anytime. Anywhere.
All you have to do is log in.
Staying on top of your credit has never been easier.
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.
You can do this ANYTIME and ANYWHERE and for FREE.
Benefits of Credit Score:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
The benefits are endless, so there is no need to wait.
Benefits of Credit Score:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
The benefits are endless, so there is no need to wait.
Your credit score. Daily and secure.
Access your credit score and report in our mobile app and online banking.
Your credit score. Daily and secure.
Access your credit score and report in our mobile app and online banking.
DIGITAL SERVICES
Get the Columbia CU Mobile App.
Access your account from anywhere.
- Move money, pay bills, and make loan payments
- Point and click to deposit checks from your phone
- Add an extra layer of security with Face ID
DIGITAL SERVICES
Get the Columbia CU Mobile App.
Access your account from anywhere.
- Move money, pay bills, and make loan payments
- Point and click to deposit checks from your phone
- Add an extra layer of security with Face ID
Frequently Asked Questions
Cerdit Score in Digital Banking is powered by SavvyMoney, which 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 an inquiry has been reported.
Yes. SavvyMoney will monitor and send email alerts when there has been a change to your credit profile.
No, Credit Score in Digital Banking powered by SavvyMoney is entirely free to Columbia CU members.
SavvyMoney 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 Digital Banking. You can click “refresh score” as often as every day for an updated credit score.
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 Columbia CU SavvyMoney user can “File a Dispute” with Transunion by clicking on the “Dispute” link within SavvyMoney. 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 score. 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.
Columbia CU uses its own lending criteria for making loan decisions.