CreditSavvy

CreditSavvy provides you all the information you would find on your credit file, including a list of open loans, accounts, and credit inquiries. You'll also see details on your payment history, credit utilization, and public records that show up on your account. With CreditSavvy, when you check your credit report, there will be no impact to your score. 

No. CreditSavvy is entirely free and no credit card information is required to register. 

No. Checking CreditSavvy 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.

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.

Yes. CreditSavvy will monitor and send email alerts when there’s been a change to your credit profile.