My Credit Score by SavvyMoney

Take charge of Your Credit Health

Curious about your credit? Now, you can log into your personal Online Banking or our mobile app to access your credit score, credit report, and credit monitoring for free! View brochure

Once you Log In:

Desktop

Click the prompt on the sample credit score meter to launch My Credit Score.

Mobile App

Select the hamburger menu, click “My Credit Score,” then follow the prompts.

Watch How to Check Your Credit Score and Financial Health in Mobile Banking Video

Your Credit Score

Your credit score number gives you a quick, current snapshot of your credit.

Score is updated daily.
Scored by VantageScore 3.0, a model developed collaboratively by Equifax, Experian, and TransUnion, the three major credit bureaus. Up to 200 factors are considered when calculating a score.
Credit profile is pulled from TransUnion.
“Soft inquiry” will not affect your credit score.

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Your Free Credit Report

Your free credit report contains everything you would find on your credit file:

Open loans
Open accounts
Open credit inquiries
Payment history
Credit utilization
Public records

Checking your credit report here won’t affect your credit score, because it’s a soft inquiry.

Daily Credit Monitoring

Daily credit monitoring helps flag potential fraud and identity theft attempts by checking your credit report daily. You’ll receive an email when the system detects any of the following events related to your identity:

New accounts opened
Address changes
Employment changes
Delinquency reports
Credit inquiries

If you ever change your email address, simply update it in your Online Banking.

Educational Content

Learn what affects your credit score positively and negatively. You’ll get helpful tips customized to your unique credit standing, ranging from debt management to overall financial wellness.

Real Words, Real People from the PNW

It has been years since I have called into Fibre needing an actual live voice on the other end to help me out because of the significance mobile and desktop banking plays in my day to day living. However, Paula reminded me why Fibre is still the only banking institution I will entrust. Thanks to Paula and Fibre for the peace of mind, the stress relief, and the flexibility you give me to financially live my best life.

Jenny E.

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Security

My Credit Score uses bank-level encryption and security measures to keep your data safe and secure. This service never shares your personal information with third parties.

Soft vs. Hard Inquiries

This free service will not impact your credit score. Lenders use a “hard inquiry” to make decisions about your credit worthiness when you apply for loans, but this service uses a “soft inquiry” to give you a snapshot of your credit standing.

Credit Monitoring

This free service can help spot potential fraud and/or identity theft attempts. Your credit report is monitored daily and you’ll be alerted by email if there are any major changes.

Disputes

If you ever think there’s a mistake in your report, there are a few things you can do:

Take advantage of free credit reports from www.annualcreditreport.com.
Follow up with each credit bureau individually, because they each have their own process for correcting mistakes.
Go to the Federal Trade Commission’s website for information about correcting errors.

Inaccuracies

My Credit Score is not intended to be comprehensive and may not provide all information about user accounts. That’s why we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com to look for any incorrect information or discrepancies across all three bureaus.

Credit Scores

The VantageScore 3.0 credit scoring model was collaboratively developed by Equifax, Experian, and TransUnion to make information more uniform between the three major credit reporting bureaus.

Some financial institutions use the other scoring model (FICO), and each model might weigh some of the 200 factors differently. No matter which scoring model is used, credit ratings fall in these specific ranges:

Excellent: 781-850
Good: 661-780
Fair: 601-660
Unfavorable: 501-600
Bad: 500 or below