Free Credit Score
Get your FREE credit score instantly—no new login needed!
Your credit score and credit report are waiting for you!
Your free credit score is here! Starting December 23rd. you now have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score. It’s built right into our Online Banking and Mobile Banking platforms, so you don’t need a new login.
No enrollment required - it's automatically available to all WEOKIE members, completely free.
Credit confidence
Never miss a thing with real-time security updates any time your credit file changes.
Daily score updates
Empower your financial decisions by accessing your score anytime and anywhere.
Money-saving offers
Turn your credit into an engine for financial achievement with personalized savings offers.
Free, Ongoing Credit Score, Report, and Monitoring
Free Credit Score Monitoring
Doesn't Affect Your Credit Score
Easy to Read Summary
Master your credit standing, with no purchase or credit card required.
At WEOKIE, we aim to help members save and borrow smarter. Simply log in to Online Banking or Mobile Banking for an instant, at-a-glance breakdown.
How to Access Your Credit Score - It's Easy!
Step 1
Log Into Your Account
Access Online Banking through our website or open the WEOKIE Mobile App.
Step 2
Navigate to Credit Score
Click on "Show Full Report" in the Credit Score widget or click "Credit Score" under the Accounts tab.
Step 3
Explore Your Profile
View your score, read your report, set up alerts, and start using all available tools.
Signing up for Credit Score access is easy!
- Log in to Online Banking
- Tap the Accounts dropdown
- Scroll down and click Credit Score
- Read and accept terms and conditions of use
- Answer a few simple questions to verify your identity
- Once verified, you're all set!
Credit Score is available to you through both Online and Mobile Banking.
Make sure to add WEOKIE's app for mobile banking to your smartphone after your register for Online Banking.
Credit Score FAQs
Log in to Online Banking, tap the Accounts dropdown, scroll down, and click "Credit Score." In Mobile Banking, find it in the menu under "Accounts."
No! Credit Score is built right into your existing Online Banking and Mobile Banking, so you use the same WEOKIE username and password you already have.
You'll need to enroll in Online Banking first. Once you're set up, you can access Credit Score immediately.
To protect your personal information and ensure security, you'll answer a few simple verification questions the first time you set up Credit Score access.
SavvyMoney is a comprehensive Credit Score program offered by your credit union that helps 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 your financial institution can help save you money.
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 inquiry has been made. Monitoring helps users keep an eye out for identity theft.
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. When you check your credit report, there will be no impact to your score.
No. SavvyMoney is entirely free and no credit card information is required to register.
Yes, SavvyMoney Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application. In the Mobile Banking app, it is on the menu under “Accounts”
If you are a regular Online Banking user, your credit score will be updated every month and displayed in your Online Banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within Online Banking.
No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.
Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.
No, WEOKIE Federal Credit Union uses its own lending criteria and credit bureau reports for decisioning a loan. SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college— you have a clear picture of your credit health and can qualify for the lowest possible interest rate.
SavvyMoney Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with WEOKIE Federal Credit Union.
SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
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.
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 considered 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.
The SavvyMoney 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 AnnualCreditReport.com, and then pursuing action 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.
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 where they are the primary account holder.
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