Review and download your full credit report anytime to ensure your credit file is free of errors. You can set up credit monitoring alerts and dispute any errors you find right within the online banking tool. 

• Review and download credit report
• Monitor credit activity
• Receive real-time credit monitoring alerts
• Identify credit bureau errors
• Dispute any found errors within the tool

Why is monitoring your credit report so important?

Routinely reviewing your credit report is a must now more than ever. Monitoring your credit report can increase your awareness of changes to your credit file, help protect you from identity theft, and stay on top of suspicious or fraudulent transactions that take place in your name.

SavvyMoney Credit monitoring alerts include:

• When your score changes
• An account has been included in bankruptcy
• An account is reported as delinquent.
• A fraud alert has been placed on the credit file
• A previously derogatory account is now current
• A new account has been opened
• An account in your name shows a different address
• An account in your name listed a new employer
• A new inquiry on the credit file
• A new public record has been reported

With the click of a button, this interactive score simulator allows you to see how a variety of financial actions or events will potentially increase or decrease your credit score.

Simulate what happens if you:

• Pay off balances
• Open new accounts
• Increasing limits
• Take out a new loan
• Miss a payment
• Apply for new credit

and decide how to move your money for the best results!

SavvyMoney is a tool to give you credit confidence. Financial education is an important aspect of our credit union mission, and with this tool, we’ll guide you to a better understanding of credit and financial wellness.

• Learn the factors that make up your credit score
• Tips to improve your score
• Debt counseling
• Financial education courses

Why is financial education important for everyone, regardless of your score?

A strong foundation of financial literacy can help support various life goals, such as saving for retirement, using debt responsibly, and running a business. OUCU Financial is your dedicated financial wellness partner.

SavvyMoney is the best credit score information service out there if you’re looking to crack the code of credit ratings or learn how the information on your credit reports translates into a score. SavvyMoney will help you cut through the clutter of opinions and sales pitches to get to the facts of how you can use your credit to accomplish your life goals.

Utilizing the services or products offered by SavvyMoney will never directly impact your credit score. When SavvyMoney accesses your credit file information, it results in a “soft inquiry” that doesn’t alter your score in any way.

Absolutely. While your SavvyMoney credit score may differ from the scores we get from the credit bureaus, our goal is to provide you with the best offer we can. If your SavvyMoney score is different than the score we have, simply print out your score and let us know. We will review your information and determine if there is a better offer we can provide you.

Joint members on Credit Union accounts now have the ability to access their credit scores through Savvy Money.

Please contact us

There is no cost to you whatsoever for the SavvyMoney credit score services or products provided by OUCU Financial.

SavvyMoney uses industry-standard security practices to protect your data.

Tools offered by SavvyMoney include:

• A free credit score every month
• Personalized analysis of each component of your score
• Clear, simple explanations of factors impacting your score
• Videos and daily articles from personal finance expert Jean Chatzky