MONITOR YOUR CREDIT

CREDIT SCORE

Monitor your score, help prevent fraud, and save money by using the SavvyMoney^® credit score feature. Available via online banking and the Firstrust mobile app.

VantageScore® 3.0 Monitoring

Receive a free daily score without hurting your credit¹.

Alerts & Notifications

Watch out for fraud with real-time alerts for credit inquiries.

Save Money

Receive tailored offers based on your existing loans.

personal financial management tool screenshot

Score Analysis & Education

The first step toward improving your credit is understanding your credit. Learn how your credit is calculated, identify opportunities, and build a stronger financial future. This credit score feature is full of educational resources such as the credit analyzer tool or helpful articles to help you succeed.

Credit Score Simulator

Use the credit simulator to see how certain actions will impact your score. Test different scenarios to see how a potential loan, balance transfer, balance payoff, or other action can positively or negatively impact your credit. Sign in to online banking to use the credit score simulator now.

All-in-one credit score solution

Feature Highlights

Credit Score FAQs

Frequently Asked Questions

VantageScore® was founded by the 3 leading credit reporting agencies – Experian, Equifax and TransUnion. This credit score model was developed by a representative team of statisticians, analysts, and credit data experts from each of the credit reporting companies, and is used by hundreds of institutions, including credit unions, banks, credit card issuers and mortgage lenders. The VantageScore® 3.0, the score that is shown in SavvyMoney, is a newer and more popular version of VantageScore®. It is calculated on a scale of 300-850, with 300 being the lowest and 850 the highest score.

A credit score is a number calculated to indicate your credit worthiness. The higher the score, the more credit worthy you are to a lender. Your credit score is calculated from information in your credit report and takes into account whether you have been making on-time payments, your revolving debt use, length of your payment history, and other such factors. It is important to know that your score does not take your age, income, employment, marital status, or your bank account balances into account.

DISCLOSURES:

Available to retail, consumer customers only.

Credit score and report service provided by SavvyMoney, Inc. See their terms and conditions for details. SavvyMoney® is a registered trademark of SavvyMoney, Inc. VantageScore® is a registered trademark of VantageScore Solutions, LLC.

¹Daily credit score updates to be delivered for active credit score users who enroll with SavvyMoney within online banking. To remain active, access your credit score at least once every 90 days. Credit score update frequency may vary based on your usage activity.

Mobile banking requires that you download the Firstrust Bank mobile app and is only available for select mobile devices and mobile operating systems. Message and data rates may apply. Please see the Retail Mobile and Online Banking Agreement for details by visiting Firstrust.com/account-agreements.