Credit Score

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

Google Play Store Logo
Log In to Online Banking


Frequently Asked Questions

What does a good credit score mean to me?

A good score may mean you have easier access to credit and lower interest rates. The consumer benefits of a good credit score go beyond the obvious. For example, underwriting processes that use credit scores allow consumers to obtain credit more quickly than in the past.

Does checking my credit score in Firstrust online banking or the mobile app hurt my score?

No, the credit score that you see within your online banking and mobile app is what is commonly known as a “soft pull”. What this means is that it does not affect your credit score in any way.

What is VantageScore® 3.0?

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.

What is a Credit 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.

What factors influence my credit score?

There are five major categories that make up a credit score: Payment History, Credit Usage, Credit Age, Mix of Credit, and Recent Credit. To learn more, visit the credit score feature within online banking.

Are there fees associated with checking my credit score within Firstrust digital banking?

No, the credit score tool by SavvyMoney available in online banking or the Firstrust mobile app is provided by Firstrust as a courtesy to its consumer customers and there is no cost to you!

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.

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.


Our mobile app for Apple iPhone® and Android™ devices makes banking easy and secure. View transactions, deposit checks, pay bills, and more.
View balances
Account alerts
Deposit checks
Move money
Apple Store BadgeGoogle Play Store Logo


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.

Daily 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