Credit Score

Check Your Score Daily

You can check your credit score each time you log into your mobile or online banking. Credit Score is a free service offered by Great NorthWest Federal Credit Union, powered by SavvyMoney. With one click, you can check your credit score, view your credit report, and get up-to-date credit monitoring notifications. You can also find out what affects your score, how you can save money and how to improve your score or rebuild your credit.

Stay up-to-date without affecting your credit

Many people worry that by checking their credit score too much, they will see their score drop. Actually, using Credit Score to check your score is what is known as a “soft inquiry”, which means it will not affect your credit score. Lenders use “hard inquiries” to make lending decisions when you apply for credit.

monitor your credit to prevent fraud

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, if a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Common sense tools

Credit Score events help you visualize the relationship of your credit score with payment history, usage, or opening & closing of accounts. Use the credit score simulator to see the potential impact of opening a new accounts or paying off balances. This interactive tool will simulate your credit scores before you actually take any actions.

helpful info to empower you

Based on Credit Score information, you may receive helpful articles and loan products from Great NorthWest FCU, which will save you money. The articles provide helpful tips on how you can manage credit and debt wisely. The product offerings may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. Our goal is to empower you with the information to make the most out of your money.

Frequently Asked Questions

is there a fee for using it?

No, Credit Score is entirely free to Great NorthWest FCU members who have online or mobile banking.

will accessing credit score “ding” my credit and lower my score?

No. Checking Credit Score is a “soft inquiry” which does not affect your credit score.

Does credit score offer credit monitoring as well?

Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.

how often is the credit score updated?

The credit score updates every month as displayed in your online or mobile banking account. You can click “refresh score” as often as every 24 hours for an updated score daily.

does great northwest fcu use this platform to make loan decisions?

No. You may see pre-approved offers and lending products we offer within the Credit Score portal - however, we have lending criteria and policies for making final approval decisions.

what if the information on my credit report appears wrong or inaccurate?

Credit Score makes its best effort to show the most relevant information from a credit report. If you think that some of the 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 own process for correcting inaccurate information, but every Credit Score user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score. If the inaccuracy is verified, Transunion will then share this with the other bureaus.

how does credit score keep my information secure?

Credit Score uses encryption and security measures to keep data safe and secure. Your personal information is never shared with or sold to a third party.