Credit score monitoring. Anytime. Anywhere. And for free.
With one powerful tool and no impact to your credit, you can access your credit score, get a full credit report, and benefit from credit monitoring, financial tips, and education.¹ ²
What you can expect from Credit Score, powered by SavvyMoney
With one powerful tool you get free credit monitoring, instant access to factors impacting your credit score with detailed recommendations, education to clarify how your credit score is calculated, and more.³
Helpful features include:
- Daily access to your credit score
- Real-time credit monitoring alerts
- Credit score simulator
- Personalized credit report
- Special credit offers
- And more!
With all these benefits, there’s no need to wait.
How to Get Started
Sign in through your mobile app or web browser. You must be enrolled in Digital Banking.4
Look to the bottom right and find the “See Your Credit Score” button.
Opt in and sign up for the Credit Score service.
Your credit score, daily.
Take control of your credit score easily from our mobile app and online banking—access all Credit Score features and benefits in one convenient spot.
Sign In NowFrequently Asked Questions (FAQs)
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Credit Score provides your latest credit score and report, and helps you understand key factors that impact those scores. It also monitors your credit daily and informs you by email if any significant changes are detected. It will inform you if an inquiry has been reported, and if there are changes in address, employment, delinquency, or if a new account was opened.
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Any customer that has a personal Digital Banking account and is over the age of 18 can enroll in the service. There is no specific product requirement.
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Credit Score is entirely free to BFG FCU clients.
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Credit Score 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.
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Yes. Customers must be over the age of 18 to enroll.
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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.
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Three major credit-reporting bureaus (Experian, Equifax, and TransUnion) and two scoring models (FICO or 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.
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Credit Score does its 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 www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Zions Bank Credit Score user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score. TransUnion will share this with the other bureaus if the inaccuracy is verified.
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Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
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While BFG FCU may use information from Credit Score to determine prequalification opportunities for certain credit products, BFG FCU does not use Credit Score for making loans, but instead uses its own lending criteria (i.e., FICO® Score and other attributes) to determine loan application decisions.
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You will need to follow up with Experian and not Zions Bank. Their phone number is 888-397-3742.
(1) Terms and conditions apply. Contact a banker for details.
(2) The credit score provided under this service may be different than the credit score used by BFG Federal Credit Union to make credit decisions. BFG Federal Credit Union looks at many factors to determine your credit options; therefore, a specific score does not guarantee a specific loan rate, approval of a loan, etc. While Credit Score powered by SavvyMoney provides credit score information, credit management insights and education, BFG Federal Credit Union does not provide credit counseling advice for rebuilding or improving your credit record, credit history, or rating.
(3) Credit Score is a third-party service offered by Savvy Money, not BFG Federal Credit Union. BFG Federal Credit Union does not warrant or guarantee Savvy Money’s products or services. In order to use the service, you must opt in via Digital Banking in your mobile app or web browser. Opting into the service means you consent to receiving marketing and transactional messages from Savvy Money. You can cancel your Savvy Money account at any time by following the termination instructions on the Savvy Money terms of service webpage.
The credit score provided under this service may be different than the credit score used by BFG Federal Credit Union to make credit decisions. BFG Federal Credit Union looks at many factors to determine your credit options; therefore, a specific score does not guarantee a specific loan rate, approval of a loan, etc. While Credit Score powered by SavvyMoney provides credit score information, credit management insights and education, BFG Federal Credit Union does not provide credit counseling advice for rebuilding or improving your credit record, credit history, or rating.
(4) Mobile Banking requires download of the smartphone version of the BFG Federal Credit Union app from the Apple® App Store or Google Play®. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Please refer to the applicable Rate and Fee Schedule (Schedule of Fees or Service Charge Information). Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and BFG Federal Credit Union is neither affiliated with nor endorses these companies or their products/services.