SavvyMoney: Credit Score and Report
Staying on top of your credit has never been easier.
With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score.
You can do this ANYTIME and ANYWHERE and for FREE.
Benefits of Credit Score:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
The benefits are endless, so there is no need to wait.
Learn More About Your Credit
Why Did My Credit Score Change? Common Reasons Explained
Understand the most common reasons your credit score changes and what those changes could mean.
Understand the most common reasons your credit score changes and what those changes could mean.
How Your Credit Score Works (and What Really Matters)
Learn the factors that impact your credit score and how to build and maintain good credit.
Learn the factors that impact your credit score and how to build and maintain good credit.
Your Credit Score. Daily. And Secure.
Access your credit score and report in our mobile app and online banking.
Credit Scores Are Evolving
Credit scoring models are updated over time to better reflect how people use credit. Knowing what's changing can help you better understand your credit score.
Frequently Asked Questions
What is Credit Score and Report?
Credit Score and Report helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Does Credit Score and Report offer Credit Monitoring as well?
Yes. Credit Score and Report will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score and Report?
Credit Score and Report is entirely free to First Mid customers.
Will accessing Credit Score and Report "ding" my credit and potentially lower my credit score?
Credit Score and More is a "soft inquiry" which does not affect a credit score. Lenders use "hard inquiries" to make decisions about creditworthiness when you apply for loans.
How often is the credit score updated?
The credit score will be updated every seven days and displayed in mobile and online banking. You can click "refresh score" as often as every day for an updated credit score.
What if the information provided by Credit Score and Report appears to be wrong or inaccurate?
Credit Score and Report make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every First Mid Credit Score and Report user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and Report. Transunion will share this with the other bureaus if the inaccuracy is verified.
Will First Mid use Credit Score and Report to make loan decisions?
First Mid uses its own lending criteria for making loan decisions.