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SavvyMoney信用评分

免费持续信用评分,报告和监控

SavvyMoney信用评分

现在你总能知道你的信用状况了.

关键好处

  • FREE 访问您的信用评分,完整的信用报告,和信用监测
  • You can track your credit score daily (up to every 24 hours) — your score will never be negatively affected
  • Use the 分数模拟器 to see what happens to your score if you were to take certain actions
  • No extra apps to install or additional tools to learn — it's all presented simply within your 澳门十大信誉网赌大全 or mobile app
  • Money-saving 提供了 from 元素 that can help you reduce your interest costs

我如何在澳门十大信誉网赌大全看到我的信用评分?

的 ability to see your credit score through our partner SavvyMoney is built into 澳门十大信誉网赌大全 and just waiting for you to click on it. 

在你的电脑上,登录澳门十大信誉网赌大全. Access your credit score by clicking on the red “Check Your Score” button on the right or by clicking “Featured Tools” then “Credit Score” in the navigation menu on the left. 如果这是你第一次查看你的信用评分, we’ll ask you a few first-time visitor questions to verify your identity. 下次您访问澳门十大信誉网赌大全时, either access method will bring you to your SavvyMoney dashboard and your credit score.

On the app, click on “Featured Tools” then “Credit Score” in the left menu navigation to get started.

登录澳门十大信誉网赌大全

我真的可以随时免费看到我的信用评分吗?

是的! SavvyMoney is entirely 免费的, and no credit card information is required to register. You can pull your updated credit score up to every 24 hours by clicking “Refresh Score” in the SavvyMoney section of 澳门十大信誉网赌大全. 每月都有更新的完整信用报告. 

要访问SavvyMoney信用项目功能, 登录澳门十大信誉网赌大全.

SavvyMoney信用评分与FICO信用评分不同吗?

的 score provided in SavvyMoney is not the FICO score, but it will be close to your FICO score. Both scores create scoring models that use consumer credit data to generate credit scores, 但是他们使用不同的方法来计算分数, 这可能会导致轻微的评分差异.

有三个主要的信用报告机构(Equifax, 益百利, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. 金融机构选择使用哪个局和评分模型. Over 200 factors of a credit report may be taken into account when calculating a score, 而且每个模型对信用因素的衡量可能不同, 所以没有一个评分模型是完全相同的. 无论使用什么信用机构或信用评分模型, 消费者确实属于特定的信用等级:优秀的781-850, 好661 - 780, 公平的601 - 660, 不利的501 - 600, 低于500.

SavvyMoney pulls your credit profile from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, 益百利, 和TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

我能得到关于我的信用评分的提醒吗?

是的!

你知道元素给了你什么吗 免费的 访问您的信用评分,完整的信用报告,和信用监测? To start getting email notifications about your credit score, simply enroll in our SavvyMoney信用监测服务澳门十大信誉网赌大全内按以下步骤办理:

  1. 登录元素澳门十大信誉网赌大全.
  2. 在菜单中,点击“特色工具”,然后点击“信用评分”.”
  3. Enter the requested information to enroll in SavvyMoney and pull your credit file. (这个请求不会影响你的成绩.)
  4. 在下一个屏幕上,您将看到您的信用评分.
  5. That’s it – you will now have instant access to your credit score and receive credit score updates and a monthly credit snapshot via email.

 

你会收到的信用评分邮件的类型

  • When you’re enrolled in SavvyMoney 免费的 credit monitoring with 元素, 你会收到以下电邮提醒:
  • 每月信用快照 – an overview of what changed on your credit score and report in the last month.
  • 信用评分更新 – an email alert when your latest credit score and report card are ready for viewing.
  • 信用报告监控 – an email alerting you when a new account has been opened and is showing on your credit report.

选择退出这些电子邮件提醒, click on either “Unsubscribe” or “Manage Subscriptions” in the footer of the email and follow the prompts.

 

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Read more frequently asked questions about the SavvyMoney credit program…

What if some information on my credit report appears to be wrong or inaccurate?

的 SavvyMoney credit program makes its best effort to show you the most relevant information from your credit report. 如果你认为某些信息是错误的或不准确的, we encourage you to take advantage of obtaining 免费的 credit reports from www.annualcreditreport.com,然后分别与各部门进行追踪. 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. 的 联邦贸易委员会网站 提供了 一步一步的指示 如何与相关部门联系并纠正错误.

Why do I see 元素 product 提供了 and financial education articles in the SavvyMoney section of 澳门十大信誉网赌大全?

根据你的SavvyMoney信用评分信息, you may receive 提供了 on 元素 products that may be of interest to you. In most cases, these 提供了 may have lower interest rates than the products you already have. 教育类文章, 由Jean Chatzky和SavvyMoney团队撰写, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing my SavvyMoney credit score ping my credit and potentially lower my credit score?

No. 检查 your SavvyMoney credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.