Credit Score and More with SavvyMoney



With one powerful tool, 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.


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.


Access your credit score and report in our mobile app and online banking.

Sign into Advantage Plus Online Banking

Frequently Asked Questions

What is Credit Score?
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.

How do I see my Credit Score in Advantage Plus Online Banking/Mobile App?
The ability to see your credit score through our partner SavvyMoney is built into our Advantage Plus Online Banking and is waiting for you to click on it!
On your computer, log in to Advantage Plus Online Banking. Access your credit score by clicking on the “Check Your Score” button or by clicking “Menu” then “My Credit Score” in the menu. If it’s your first time to access your credit score, we’ll ask you a few first-time visitor questions to verify your identity.
On the Advantage Plus Mobile App, click on “Menu” then “My Credit Score”.

Does Credit Score offer Credit Monitoring as well?
Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for Credit Score?
Credit Score and More is entirely free to ACT 1st Federal Credit Union 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 and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.

What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score and More make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every ACT 1st Federal Credit Union Credit Score and More user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO and 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 weigh credit factors differently, so no scoring model is identical.

Will ACT 1st Federal Credit Union use Credit Score to make loan decision?
ACT 1st Federal Credit Union uses its own lending criteria for making loan decisions.

All branches will be closed Monday, May 27th, 2024 to observe Memorial Day. You can bank with us anytime, anywhere with our Mobile App or Advantage Plus Online Banking!