Credit Score by SavvyMoney shows your score, report, and more inside of the Sierra Pacific mobile banking app. If your credit score isn’t working, try these solutions:

• Update to the latest app version
• Navigate to the “My Credit Score” option in the main menu and agree to the terms of service

Note that only primary account holders have access to Credit Score. Joint members will not be able to use Credit Score unless they open their own account at Sierra Pacific.

If you still can’t see your credit score in the mobile app, contact SavvyMoney’s support team at support@savvymoney.com

Sierra Pacific Credit Union uses specific lending criteria to make decisions on loan approval, rate, terms, etc. Any loan application submitted to Sierra is subject to our lending policies and may not match the offer, estimated score, or estimated rate or savings presented in SavvyMoney.

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.

Every Sierra Pacific CU user can file a dispute with TransUnion by clicking on the “Dispute” link within the Credit Score tool in online or mobile banking. TransUnion will share this with the other bureaus if the inaccuracy is verified. Members should check with each institution to confirm the innaccuracy has been fixed.

Sierra’s Credit Score widget in online and mobile banking updates automatically every 7 days. You can choose to refresh your score up to every 24 hours to see your latest score.

No. Your current credit score, report, and all other tools in the SavvyMoney widget in online and mobile banking can be viewed, used, and updated without impacting your credit score. SavvyMoney uses a soft pull to update your credit score information, which doesn’t hurt your score, no matter how often you update it.

No. Sierra Pacific provides this resource for FREE to all members enrolled in online banking.

Credit Score by SavvyMoney is a free service that we are now providing to all members of Sierra Pacific Federal Credit Union through your online or mobile banking account. Using SavvyMoney will have no impact on your score. It provides all members a free look at their current score, credit report, and ways to improve their score.

SavvyMoney includes additional features including:

• Score simulator: see how certain actions might impact your score
• Credit score goals: set a goal and get tips and reminders automatically
• Personalized offers – see how much a refinance or balance transfer can save you over time before applying
• Financial education – articles and resources to help you build YOUR money savvy

Credit Score by SavvyMoney is a free service that we are now providing to all members of Sierra Pacific Federal Credit Union, and using Credit Score will have no impact on your score.

If you decide that you don’t want to use this service, there are three ways that you can turn it off.

• When entering Credit Score for the first time, a tutorial banner will be displayed. On the final page of the tutorial, you will see text that says, “Turn it off or on at any time”.  Click on this text and you will be taken to a page that allows you to turn Credit Score off.
• Additionally, you can turn off Credit Score in the Welcome Email that you will receive on the date of enrollment. At the bottom of the email, you will see a button, “Turn off Credit Score”, and selecting this will turn it off.
• The final way to turn off Credit Score is within the tool itself. Log into online or mobile banking and click on your credit score widget. Select the “Resources” tab on the navigation bar. Then select the “View Now” button under Profile Settings and finally select “Deactivate Credit Score Account” at the bottom of this page.

You will not be automatically enrolled once you cancel this service. If at any point you would like to re-enroll, the Credit Score widget will be available for you to opt back in.