Staying on top of your credit has never been easier!

Credit Score by Savvy Money is a free, secure tool for all Cornerstone Credit Union Members.

Log into Cornerstone's Online Banking OR by going to the Cornerstone CU Mobile App to get started with Credit Score by Savvy Money. If you have not signed up for our Online Banking yet, simply click the Sign Up button and select "Enroll in Online Banking" under "First time user?" section. . 
Once you have your account set up, just scroll to the bottom of the page and click on "See My Score Today" to access Credit Score by Savvy Money.

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.

Benefits of Credit Score by Savvy Money:

• Daily access to your Credit Score

• Real-time Credit Monitoring Alerts

• Credit Score Simulator

• Personalized Credit Report

• Special Credit Offers

Frequently Asked Questions

What is Credit Score by Savvy Money?

• Credit Score by Savvy Money 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 by Savvy Money offer Credit Monitoring as well?

• Yes. Credit Score by Savvy Money will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for Credit Score by Savvy Money?

• Credit Score by Savvy Money is free to all Cornerstone Credit Union Members.

Will accessing Credit Score by Savvy Money “ding” my credit and potentially lower my credit score?

• Credit Score by Savvy Money 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 by Savvy Money appears to be wrong or inaccurate?

• Credit Score by Savvy Money make best efforts 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 Cornerstone Credit Union Credit Score by Savvy Money user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score by Savvy Money. Transunion will share this with the other bureaus if the inaccuracy is verified.

Why do credit scores differ?

• Three major credit reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is identical.

Will Cornerstone Credit Union use Credit Score by Savvy Money  to make loan decisions?

• Cornerstone Credit Union uses it’s own lending criteria for making loan decisions.