My Credit Score

My Credit Score powered by SavvyMoney.

We have partnered with SavvyMoney to bring you a comprehensive credit program that  offers instant access to your credit score along with personalized tips on how to improve or maintain an already great score.

It's built right into our already easy-to-use Online Banking and Mobile Banking App, so you won't need a new login. Don’t have a login for Online or Mobile Banking? Give us a call at (818) 846-1710 and we’ll help you get setup.

Cellphone with credit score imageBenefits of checking your score today include the ability to:

 - Receive daily credit monitoring with alerts for major changes;

- Identify credit bureau errors;

- Understand the factors that impact your score; and

- Work toward your financial goals!

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Access your credit score in Online Banking:

1) Login and click on the My Credit Score banner on the right side

2) Click on “Get My Credit Score”

3) Answer 4 quick enrollment questions

4) See your score!

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Access your credit score in Mobile Banking:

1) Login and tap on the menu on the top left

2) Tap on My Credit Score & More, then select My Credit Score

3) Answer 4 quick enrollment questions

4) See your score!

  • What is My Credit Score by SavvyMoney?

    SavvyMoney is a comprehensive Credit Score program we have partnered with to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how Gain can help save you money.

    My 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, a delinquency has been reported or an injury has been made. Monitoring helps users keep an eye out for identity theft.

  • What is SavvyMoney Credit Report?

    SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

  • Is there a fee?

    No. SavvyMoney is entirely free and no credit card information is required to register.

  • How does SavvyMoney Credit Score differ from other credit scoring offerings?

    SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

  • How often is my credit score updated?

    As long as you are a regular online or mobile banking user, your credit score will be updated every month and displayed when you login to SavvyMoney through online or mobile banking.

  • Why do credit scores differ?

    There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660,  Unfavorable 501-600, Bad Below 500.

  • What if the information provided by SavvyMoney My Credit Score appears to be wrong or inaccurate?

    The SavvyMoney My Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

  • Can a Joint Owner use SavvyMoney My Credit Score?

    SavvyMoney pulls the credit score based on the information of the primary account holder. If a Joint Account would like to benefit from this service, they should sign-up for a savings account here they are the primary account holder.