Credit Score Monitoring Tool

What's your number?

Welcome to your Free Credit Score monitoring tool! Credit Score allows you to check your credit score anytime, right from your phone or computer.

The service is FREE* and a great resource to help you improve or monitor your credit score, and it is a powerful fraud fighting tool. Plus, you’ll receive financial tips on improving your score or maintaining an already great score!

It’s conveniently built right into Grand.bank’s easy-to-use Online Banking or Mobile App*. Sign-up today!

About Credit Score

Its FREE* to Grand.bank customers.
It’s a “soft pull” on your credit report and does not affect your score.
Receive monthly monitoring alerts.
Identify Credit Bureau Errors.
Get personalized tips on how to improve or maintain your score.

How Do I Get My Score?

Log in to your Grand.bank Mobile App and click on the “Accounts” then “More”. Within Online Banking select “Check My Score” on the Accounts screen.
Follow the prompts verifying your identity, then agree to SavvyMoney’s terms and conditions.
You get your score!

How To Improve Your Credit Score:

Our credit score tool can also help you learn more about improving your score. Here are a few tips to get you started:

Pull your credit reports.
Pay your bills on time.
Apply for credit only when you need it.
Reduce your total debt.
Build up a credit history.

Get the Most Out of Your Free Credit Score Tool

Credit Score is a comprehensive credit score program 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 could help you save. Credit Score also monitors your credit report daily. It informs you by email if any big changes are detected such as: a new account opened, a 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.

For Grand Bank Customers, Credit Score is entirely free*, and no credit card information is required to register.

Log in to your Grand Bank Mobile App and click on “Accounts” then “More”. Within Online Banking select “Check My Score” on the Accounts screen.
Follow the prompts verifying your identity, then agree to SavvyMoney’s terms and conditions.
You will see your score!

Yes. You will need to enroll in either Online Banking or download our Mobile App to access Credit Score.

To enroll in Online Banking click here to get started.

Download our Grand Bank app:

Download for Apple

Download for Android

As long as you are a Grand Bank Online Banking or Mobile App User, your credit score will be updated monthly and displayed in your mobile app and online banking. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Score site within the mobile app and online banking.

Credit Score 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.

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 considered 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.

No, Grand Bank uses its own lending criteria for making loan decisions.

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.

Credit Score 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 www.annualcreditreport.com, 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 Credit Score Credit Report. However, the Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

No. Checking Credit Score 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.

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

Because you accessed Credit Score through Grand Bank’s online banking options, you do nothing! Your email address will get updated automatically in Credit Score when you update it within online banking. However, we always encourage you to inform us of any contact information updates.

Your financial wellness is extremely important to us. Credit Score 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 Grand Bank.

For additional information, please call us at (800) 300-1467.

*Grand Bank does not charge a fee for our Mobile Banking App; however, connectivity and usage rates from your wireless carrier may apply. Contact your wireless service provider for more details.

The credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with Grand Bank loan products. It is generally not used for loan approval purposes or for determining loan rates. Loan rates and approvals are based on information provided to the bank when you apply for a loan.

The credit score found in the credit report may be different than the credit score you see in Credit Score. The offers presented here are not offers to lend; normal underwriting criteria apply. Terms and conditions and offers are subject to change at any time.

Important Information About Procedures For Opening A New Account.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account and each beneficial owner of an account.

What this means for you: When you open a personal account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. When you open a business account, we will ask for certain business documents and identifying information of each business owner.

Credit Score Monitoring Tool

What's your number?

About Credit Score

How Do I Get My Score?

How To Improve Your Credit Score:

Get the Most Out of Your Free Credit Score Tool

Have Questions?

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