View Your Credit Score, for Free!

With one powerful tool; you can access your credit score, full credit report, credit monitoring, financial tips and education. All of this without impacting your credit score. You can do this ANYTIME and ANYWHERE and for FREE!

This new feature, brought to you by SavvyMoney, is now available in Anytime Online and the mobile app.

Benefits of SavvyMoney's 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's no need to wait.  Enroll today through Anytime Online or the mobile app. Simply log-in and click to "Show My Score".

FREQUENTLY ASKED QUESTIONS

What is Credit Score and More?

Credit score and More 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 inquiry has been reported.

Is there a fee for Credit Score?

Credit Score and More is entirely free to North Star CCU members.

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

Credit Score and More 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.

How often is the credit score updated?

The credit score will be updated every seven days. You can click "refresh score" as often as every day for an updated credit score.

Why do credit scores differ?

Three major credit-reporting bureaus (Equifax, Experian and TransUnion) and two scoring models (FICO or VantageScore) determine credit scores. 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 weight credit factors differently, so no scoring model is identical.

Will North Star CCU use Credit Score and More to make loan decisions?

No, North Star CCU uses its own lending criteria for making loan decisions.