Managing Your Credit Has Never Been Easier

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.

You can do this Anytime and Anywhere and for Free.

 


Benefits of Credit Monitoring Services:

  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers
  • And More!

The benefits are endless, so there is no need to wait.

Your Credit Score, Daily, and Secure

Access your credit score and report in our mobile app and online banking.

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Credit Monitoring FAQ

  • Credit Monitoring is a free service available in KCU digital banking that helps members understand their credit health. It provides access to credit scores, credit report, credit monitoring alerts, credit score simulator, and financial education tools.

  • A soft inquiry occurs when you check your own credit score or when certain companies review your credit for prequalification purposes. Soft inquiries do not affect your credit score. A hard inquiry occurs when you apply for credit and may have a temporary impact on your credit score.

  • Kitsap Credit Union partnered with SavvyMoney to provide members with free credit monitoring tools that make it easier to understand and improve their credit health. Through this partnership, members can access their credit score, credit report, credit alerts, Credit Score Simulator, and educational resources directly within digital banking.

  • No. Credit Monitoring Services are free to Kitsap Credit Union members and no credit card information is required to register.

  • Members can enroll through KCU online banking or the KCU mobile banking app by selecting the Credit Monitoring option.

  • Yes. Credit Monitoring is available on mobile and tablet devices and is integrated within the KCU mobile banking app.

  • You may receive alerts for significant changes such as:
    • new accounts opened
    • new credit inquiries
    • delinquent accounts
    • fraud alerts
    • bankruptcy
    • new public records
    • new address
    • new employer listed on your credit file
    • a previously derogatory account reported as current.

  • Yes. You can deactivate your Credit Monitoring account by going to Resources, selecting Profile Settings, and choosing Deactivate Credit Score Account.

  • Credit Monitoring Services are accessed through KCU digital banking, and SavvyMoney uses security controls designed to protect member information. These controls include encryption, security policies, and review processes to help keep member data safe.

  • Yes. SavvyMoney uses source-level encryption and security policies to help keep member information safe and secure. SavvyMoney's policies and processes are also reviewed annually by a third-party auditor.

  • No. Kitsap Credit Union uses its own lending criteria when reviewing loan applications. The score shown in Credit Monitoring is provided to help you understand your credit health and does not determine loan approval.

  • Yes. You can manage which emails you receive by going to Resources, then Profile Settings, within the Credit Monitoring tool. Email options may include credit monitoring alerts, general messages, and monthly notices. 

  • Yes. You can download your credit report directly within Credit Monitoring Services for your personal records or to review your credit history.

  • After you enroll, you may receive emails from Kitsap Credit Union via SavvyMoney about your credit monitoring activity. These emails may include credit monitoring alerts, monthly notices, and general messages related to the service.  

  • The Credit Score Simulator is an interactive tool that lets you see how hypothetical actions may affect your credit score, such as paying off a credit card balance or applying for a loan. Using the simulator does not affect your actual credit score.

  • A credit report is a record of credit-related information, such as current and previous loans and accounts, payment history, credit utilization, credit inquiries, and certain public records.

  • Credit scores may differ because there are different credit reporting bureaus and scoring models. SavvyMoney uses credit information from TransUnion and VantageScore® 3.0, so the score shown may be different from scores shown by other services.

  • Credit Monitoring Services powered by SavvyMoney use VantageScore® 3.0, based on credit information from TransUnion.

  • Your credit score is updated every 7 days and displayed in digital banking. You can also refresh your credit score and full report every 24 hours by selecting Refresh Score in the Credit Score Dashboard.

  • Yes. When you enroll, you are automatically enrolled in credit monitoring. Your credit file is scanned daily for key changes, and alerts are sent when significant changes are detected.

  • No. Checking your credit score through Credit Monitoring Services is a soft inquiry and does not affect your credit score.