Free ongoing credit score, reporting, and monitoring
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With the SavvyMoney credit program, you can get your latest credit score, an understanding of key factors that impact the score, 看看最新的优惠，可以帮助降低你的利息成本. 你可以每天跟踪你的信用评分，你的评分永远不会受到负面影响.
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You will also get a full credit report once a month, 包括你在信用档案中可以找到的所有信息，比如未偿还贷款的清单, 账户, and 信用调查. You will also be able to see details on your payment history, 信贷的利用率, and public records that show up on your account. 当你检查你的信用报告时，你的分数不会受到影响.
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SavvyMoney信用程序还每天监控您的信用报告，并通过电子邮件通知您，如果有任何重大变化检测到，如一个新的账户被打开, change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring helps you keep an eye out for identity theft.
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Financial decisions cause your score to move up or down. 通过选择你可能采取的行动来模拟你的信用评分，看看你的评分是如何反应的. Use the interactive tool to simulate credit or loan applications, 资产转移, 信用调查, missed and on-time payments, 信用回报, 和更多的.
通过我们的合作伙伴SavvyMoney看到你的信用评分的能力是内置到利记，只是等待你点击它.
On your computer, log in to 利记. 点击右边红色的“Check your score”按钮，或者点击左边导航菜单中的“Featured Tools”，然后点击“credit score”，就可以访问你的信用评分. If it’s your first time to access your credit score, 我们会问你一些初次来访的问题来验证你的身份. Next time you visit 利记, 任何一种访问方法将带您到您的SavvyMoney仪表板和您的信用评分.
在app上，点击左侧菜单导航中的“Featured Tools”，然后点击“Credit Score”即可开始使用.
是的! SavvyMoney是完全免费的，注册时不需要信用卡信息. 您可以通过点击利记SavvyMoney部分的“刷新评分”，每24小时更新一次您的信用评分. An updated full credit report is available monthly.
To access SavvyMoney credit program features, log in to 利记.
SavvyMoney提供的分数不是FICO分数，但它会接近你的FICO分数. 两个评分都创建了使用消费者信用数据生成信用评分的评分模型, but they use different methods to calculate scores, which may result in slight scoring differences.
的re are three major credit-reporting bureaus (Equifax, 益百利, 和Transunion)以及确定信用评分的两种评分模型(FICO或VantageScore). Financial institutions choose which bureau and scoring model to use. 在计算分数时，信用报告中的200多个因素可能会被考虑在内, 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, 好661 - 780, 公平的601 - 660, 不利的501 - 600, 低于500.
SavvyMoney从TransUnion提取你的信用档案，并使用VantageScore 3.0, 一个由三大信用机构合作开发的信用评分模型:Equifax, 益百利, 和TransUnion. 这种模式旨在使三家机构之间的评分信息更加统一，从而为消费者更好地了解他们的信用健康状况.
Did you know that 元素 gives you 免费的 access to your credit score, full credit report, and credit monitoring? 要开始收到有关您的信用评分的电子邮件通知，只需注册我们的 SavvyMoney credit monitoring service within 利记 by following the steps below:
To opt out of any of these email alerts, 点击邮件页脚的“取消订阅”或“管理订阅”，并按照提示操作.
SavvyMoney信用计划尽其最大努力向您展示您的信用报告中最相关的信息. If you think that some of the information is wrong or inaccurate, 我们鼓励您充分利用获得免费信用报告从 www.annualcreditreport.com, and then pursuing with each bureau individually. 每个机构都有自己的流程来纠正不准确的信息，但每个用户都可以通过点击SavvyMoney信用报告中的“争议”链接来提出争议. 的 Federal Trade Commission website 提供了 step-by-step instructions on how to contact the bureaus and correct errors.
Based on your SavvyMoney credit score information, 您可能会收到您可能感兴趣的元素产品报价. 在大多数情况下，这些优惠的利率可能比你已经拥有的产品要低. 的 educational articles, written by Jean Chatzky and the SavvyMoney team, 旨在为你如何明智地管理信贷和债务提供有用的建议.
No. 查看您的SavvyMoney信用评分是一个软查询，它不会影响您的信用评分. 当你申请贷款时，贷款人会对你的信用状况进行严格的调查.
