Text Message Terms and Conditions_shutterstock_2550938457

Free Credit Score

Get your FREE credit score instantly—no new login needed!

Find Your Credit Score in Online or Mobile Banking
Desktop: Accounts dropdown → Credit Score
Mobile App: ☰ Menu → Accounts → Credit Score

Your credit score and credit report are waiting for you!

Your free credit score is here! All WEOKIE members get free access to their credit score and full credit report. Check it anytime in Online Banking or Mobile Banking using your existing login. Your score updates monthly, and you'll get alerts if anything changes on your credit report.

No enrollment required - it's automatically available to all WEOKIE members, completely free.

Credit confidence

Get email alerts when something changes on your credit report, like a new account, address change, or credit inquiry. Helps you catch identity theft early.

Daily score updates

Your score updates monthly automatically. Want to check more often? You can refresh it daily with one click.

Money-saving offers

Based on your credit, see pre-qualified WEOKIE products that could lower your costs, like refinancing an auto loan to reduce your monthly payment or earning bonuses with a new checking account.

online-banking-laptop-ipad-hands-611x340

Free, Ongoing Credit Score, Report, and Monitoring

Your current credit score (300-850 scale)

What's helping your score (on-time payments, credit age, etc.)

What's hurting your score (high balances, too many inquiries, etc.)

Your complete credit report from TransUnion

Pre-qualified loan offers from WEOKIE that could save you money on existing loans or earn you checking bonuses

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.

Signing up for Credit Score access is easy!

📱 Mobile App Tip: If you see the "Free Credit Score Monitoring" banner in the app, use the ☰ Menu and go to Accounts to view your full credit score and report.

On Desktop:

Log in to Online Banking
Select Accounts → Credit Score
Accept terms and verify your identity

On Mobile:

Open WEOKIE Mobile App
Tap ☰ Menu → Accounts → Credit Score
Accept terms and verify your identity

Credit Score is available to you through both Online and Mobile Banking.

Haven't joined WEOKIE Online yet? Enroll today!

To learn more, view Frequently Asked Questions.

Make sure to add WEOKIE's app for mobile banking to your smartphone after your register for Online Banking.

Free Credit Score_Image 01_320767559

Credit Score FAQs

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 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 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.

Search Our Website

Welcome!

Log into Online Banking

12-Month 3.75% APY*

Free Credit Score

Your credit score and credit report are waiting for you!

Credit confidence

Daily score updates

Money-saving offers

Free, Ongoing Credit Score, Report, and Monitoring

Master your credit standing, with no purchase or credit card required.

Signing up for Credit Score access is easy!

Credit Score is available to you through both Online and Mobile Banking.

Credit Score FAQs

Disclosures

Free Credit Score

Your credit score and credit report are waiting for you!

Credit confidence

Daily score updates

Money-saving offers

Free, Ongoing Credit Score, Report, and Monitoring

Master your credit standing, with no purchase or credit card required.

Credit Score is available to you through both Online and Mobile Banking.

Credit Score FAQs

Where do I find my credit score?

Do I need a separate login or account?

What if I've never used Online Banking before?

Why do I need to verify my identity when signing up?

What is SavvyMoney Credit Score?

What is SavvyMoney Credit Report?

Is there a fee?

Can Members use SavvyMoney on mobile devices?

How often is my credit score updated?

Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially lower my credit score?

Does SavvyMoney offer credit report monitoring as well?

Will WEOKIE Federal Credit Union use SavvyMoney Credit Score to make loan decisions?

If WEOKIE doesn’t use SavvyMoney Credit Score to make loan decisions, why do we offer it?

How does SavvyMoney Credit Score keep my financial information secure?

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

Why do credit scores differ?

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

Can a Joint Account holder also use SavvyMoney Credit Score?

Disclosures