Credit Score, Powered by SavvyMoney

Now Available within Online Banking and the Mobile App!

Credit Score, Powered by SavvyMoney is now available to Kemba members through online and mobile banking. Credit Score, Powered by SavvyMoney is a free service offered to help our members understand their current credit score, give access to their full credit report, provide credit monitoring alerts, show them how they can improve it and see ways they can save money on new and existing loans with Kemba.

Credit Score


What is Credit Score, powered by SavvyMoney? 

Credit Score, Powered by SavvyMoney is a comprehensive Credit Score program offered by Kemba 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.  

The program 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.  

Credit Score, powered by SavvyMoney provides users all the information they would find on a credit file including a list of open loans and accounts and credit inquiries.  Users will also be able to see details on their payment history, credit utilization and the public records that show up on their account.  Like Credit Score, when a user checks their credit report, it will have no impact to their credit score.

Is there a fee? 

No. Credit Score, powered by SavvyMoney is entirely free and no credit card information is required to register.

How often is Credit Score, Powered by SavvyMoney updated?

As long as you are a regular online or mobile banking user, your credit score will be updated every month and displayed in your online or mobile banking screen. You can click “refresh score” as frequently as every day to get an updated score by navigating to the detailed Credit Score, Powered by SavvyMoney site from within online banking. 

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

Credit Score, powered by 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. Credit Score, Powered by SavvyMoney also does a soft pull on your credit instead of a hard pull.

Why do credit scores differ?

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 taken into account 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. 

Will Kemba Credit Union use Credit Score, powered by SavvyMoney to make loan decisions?

No, Kemba Credit Union uses its own lending criteria for making loan decisions.

Will Credit Score, powered by SavvyMoney share my credit score with Kemba Credit Union?

No, Credit Score, powered by SavvyMoney is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Kemba Credit Union. 

How does Credit Score, powered by SavvyMoney keep my financial information secure?

Your Credit Score, powered by 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.

If Kemba Credit Union doesn’t use Credit Score, powered by SavvyMoney to make loan decisions, why do we offer it? 

Credit Score, powered by SavvyMoney 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 Kemba Credit Union. 

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

Credit Score, powered by SavvyMoney 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, and then pursuing 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.

There is a section on the site that features both Kemba Credit Union product offers and financial education articles. Why am I seeing this? 

Based on your Credit Score, you may receive Kemba Credit Union offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely. 

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

No. Checking Your Credit Score, powered by SavvyMoney 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.

Does Credit Score, powered by SavvyMoney offer credit report monitoring as well? 

Yes. Your Credit Score, powered by SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile. 

How do I change my email address or other personal information? 

If you access the Credit Score, powered by SavvyMoney program through your online banking, you have to do nothing! Your email address will get updated automatically in Your Credit Score, powered by SavvyMoney when you update it in online banking. However, we always encourage you to inform Kemba Credit Union of any contact information updates. 

Can Kemba members use Credit Score, powered by SavvyMoney on mobile devices? 

Yes, Credit Score, powered by SavvyMoney is available for both mobile and tablet devices and is integrated inside the Kemba mobile app via iOS and Android. 

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Credit Score, powered by SavvyMoney is only available for primary members. Joint members do not currently have access to this service. Credit services are provided by SavvyMoney Inc. and NOT Kemba Credit Union. Use of this service is subject to SavvyMoney Inc. Terms of Service and Privacy Policy.