SavvyMoney信用评分

的 ability to see your credit score through our partner SavvyMoney is built into 利记 and just waiting for you to click on it. 

在你的电脑上，登录到利记. Access your credit score by clicking on the red “Check Your Score” button on the right or by clicking “Featured Tools” then “Credit Score” in the navigation menu on the left. 如果这是你第一次访问你的信用评分, we’ll ask you a few first-time visitor questions to verify your identity. 下次您访问利记时, either access method will bring you to your SavvyMoney dashboard and your credit score.

On the app, click on “Featured Tools” then “Credit Score” in the left menu navigation to get started.

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是的! SavvyMoney is entirely 免费的, and no credit card information is required to register. You can pull your updated credit score up to every 24 hours by clicking “Refresh Score” in the SavvyMoney section of 利记. 每月更新完整的信用报告. 

要访问SavvyMoney信用计划功能， 登录利记.

的 score provided in SavvyMoney is not the FICO score, but it will be close to your FICO score. Both scores create scoring models that use consumer credit data to generate credit scores, 但是他们使用不同的方法来计算分数, 这可能会导致轻微的得分差异.

有三个主要的信用报告机构（Equifax）, 益百利, and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. 金融机构选择使用哪个局和评分模型. Over 200 factors of a credit report may be taken into account when calculating a score, 而且每个模型对信用因素的权衡可能不同, 所以没有评分模型是完全相同的. 无论使用什么征信机构或信用评分模型, 消费者确实属于特定的信用范围：优秀781-850, 好661 - 780, 公平的601 - 660, 不利的501 - 600, 低于500.

SavvyMoney pulls your credit profile from TransUnion and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, 益百利, 和TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

是的!

你知道元素给了你什么吗 免费的 访问您的信用评分，完整的信用报告，信用监控? To start getting email notifications about your credit score, simply enroll in our SavvyMoney信用监控服务 在利记内，按以下步骤办理：

1. 登录元素利记.
2. 在菜单中，点击“特色工具”，然后点击“信用评分”.”
3. Enter the requested information to enroll in SavvyMoney and pull your credit file. (这个请求不会影响你的分数.)
4. 在下一个屏幕上，您将看到您的信用评分.
5. That’s it – you will now have instant access to your credit score and receive credit score updates and a monthly credit snapshot via email.

您将收到的信用评分电子邮件类型

• When you’re enrolled in SavvyMoney 免费的 credit monitoring with 元素, 您将收到以下电子邮件提醒：
• 每月信用快照 – an overview of what changed on your credit score and report in the last month.
• 信用评分更新 – an email alert when your latest credit score and report card are ready for viewing.
• 信用报告监察 – an email alerting you when a new account has been opened and is showing on your credit report.

选择不接收这些电子邮件提醒, click on either “Unsubscribe” or “Manage Subscriptions” in the footer of the email and follow the prompts.

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What if some information on my credit report appears to be wrong or inaccurate?

的 SavvyMoney credit program makes its best effort to show you the most relevant information from your credit report. 如果你认为一些信息是错误的或不准确的, we encourage you to take advantage of obtaining 免费的 credit reports from www.annualcreditreport.com，然后分别与各部门接洽. 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 SavvyMoney Credit Report. 的 联邦贸易委员会网站 提供了 一步一步的指示 如何联系部门和纠正错误.

Why do I see 元素 product 提供了 and financial education articles in the SavvyMoney section of 利记?

根据你的SavvyMoney信用评分信息, you may receive 提供了 on 元素 products that may be of interest to you. In most cases, these 提供了 may have lower interest rates than the products you already have. 教育性文章, 由Jean Chatzky和SavvyMoney团队撰写, are designed to provide helpful tips on how you can manage credit and debt wisely.

Will accessing my SavvyMoney credit score ping my credit and potentially lower my credit score?

No. 检查 your SavvyMoney credit score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.