Access your full credit report to view important details like your payment history, credit usage, different lines of credit, and other key factors that impact your score.
Monitor your credit report for unusual activity or errors, ensuring you're always alerted to potential issues and can stay on top of your financial health.
Stay informed with real-time credit alerts for changes in your credit score, new inquiries, and updates to your payment history, helping you protect against fraud and identity theft.
Set and achieve your credit score goals with personalized recommendations and progress tracking tools. Using the credit score simulator allows you to explore how different financial decisions impact your score.
Guardian's Credit Score Tool provides personalized tips to help improve your credit health and stay on track for your financial goals. Also, you'll receive customized offers tailored to your unique credit profile, including recommendations for loans, credit cards, and other financial products that align with your needs and goals.
No. It's entirely free, and no credit card information is required to register.
If you regularly access digital banking, your credit score will be updated every 7 days and displayed within digital banking.
You can also refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Tool Dashboard within digital banking.
Each credit bureau has its process for correcting inaccurate information, but every user can "File a Dispute" by clicking on the "Dispute" link within the SavvyMoney credit report.
No. Checking your credit score through the Credit Score Tool is a "soft pull" which does not affect your credit score.
Yes, the Credit Score Tool is only available to members who are enrolled in Online or Mobile Banking.
Don’t have Online Banking? Enroll now to get started and access your free credit score updates, alerts, and more.