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Credit scores

your credit score

Check & monitor your credit score for free with SavvyMoney®. Members are free to enroll in digital banking. You will never miss anything with notifications any time your credit score changes. You can monitor your score daily with no hard inquiries affecting your score.

how to view your credit score & Report

Login to Latah CU’s digital banking through your mobile phone or computer.

Within digital banking, navigate to Credit Score in the widget or menu.

Track your credit Score, view financial resources & more!

Frequently asked questions

No. There is no fee for accessing your Credit Score. 

As a regular online banking user, your score will be updated monthly and shown on your dashboard when you login.

There are three different credit-reporting bureaus:

  1. Equifax
  2. Experian
  3. TransUnion

And two different scoring models:

  1. FICO
  2. VantageScore

All these factors go into determining credit score. Depending on the financial institution, they use different credit reporting bureaus, as well as their own scoring model. There are over 200 different factors that go into determining each individual’s score making no scoring model identical. No matter which credit bureau or credit scoring model used, there are the same ranges for scores: 

  1. Excellent: 781-850
  2. Good: 661-780
  3. Fair: 601-660
  4. Unfavorable: 501-600
  5. Bad: Below 500 

There are three different major credit reporting bureaus: Equifax, Experian, and TransUnion. The Credit Score through SavvyMoney uses TransUnion and VantageScore 3.0 which is a credit model made by all three bureaus to make it more uniform to get the best picture of your credit health.

If you think something is wrong or inaccurate when monitoring your score you can obtain a free credit report from Each credit bureau has different processes for correcting any inaccurate information.

No. Checking your Credit Score through online banking is considered a “soft pull”. This does not affect your score and isn’t reported to bureaus. “Hard inquiries” are what lenders use to make real-time decisions on your creditworthiness when applying for loans and will be shown on your credit report. 

No. Latah Credit Union uses its own lending criteria for making decisions on approving loans. We will not access your Credit Score through your online banking with SavvyMoney. 


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