Credit Score Monitoring Tool
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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
For additional information, please call us at (800) 300-1467.
*Grand.bank™ does not charge a fee for our Mobile Banking App or Online Banking, however, third-party fees for internet, messaging, or data plans may apply. Contact your wireless service or internet provider for more details. Additional terms and conditions may apply.
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.
What is Credit Score?
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.
Is there a fee?*
For Grand.bank™ Customers, Credit Score is entirely free*, and no credit card information is required to register.
How do I access Credit Score?
- 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!
Do I have to be enrolled in Online Banking or the Mobile App to access Credit Score?
Yes. You will need to enroll in either Online Banking or download our Mobile App to access Credit Score.
How often is my credit score updated?
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.
How does the Credit Score differ from other credit scoring offerings?
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.
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 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.
Will Grand Bank use Credit Score to make loan decisions?
No, Grand.bank™ uses its own lending criteria for making loan decisions.
How does Credit Score keep my financial information secure?
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.
What if the information provided by Credit Score appears to be wrong or inaccurate?
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.
Will accessing Credit Score “ping” my credit and potentially lower my credit score?
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.
Does Credit Score offer credit report monitoring as well?
Yes. Credit Score 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?
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.
If Grand Bank doesn’t use Credit Score to make loan decisions, why do we offer it?
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™.
Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship:
The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities. Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB. What this means for you: When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.