Access your credit score instantly!
We’re excited to offer Credit Insights where you can now monitor your credit score daily. Errors on credit reports not only negatively affect your overall score, but may prevent you from obtaining loans, renting an apartment or even getting a job. By regularly monitoring your credit score, you can also protect yourself against identity theft and other fraudulent activity.
Simple One-Step Enrollment
From Online Banking: Click “Sign Up” on the home page. Read and accept the Terms and Conditions, then select “Continue”.
From Mobile App: Select “More” in the menu options and choose “View Credit Score”. Read and accept the Terms and Conditions, then select “Continue”.
Credit Score Report Card
- Generates a full credit report with scores that automatically update weekly or daily (if user chooses to do so) with no negative impact to score.
- Breaks down the report into categories with easily understood letter grades and recommends tailored advice for improvement.
Monitor Your Score
Alerts provided of any changes to your account, including new account openings and potential fraud.
Credit Score Simulator
Harness the power of your score and simulate various credit scores if you were to take certain financial actions.
Frequently Asked Questions
What is Credit Insights?
Credit Insights via SavvyMoney is a comprehensive Credit Score program, offered by SmartBank, that helps you stay on top of your credit. You get your latest credit score and report and an understanding of key factors that impact the score. With this program, you always know where you stand with your credit score.
Credit Insights also monitors your credit report daily and informs you online and/or in-app, and by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring helps clients keep an eye out for identity theft.
What is Credit Insights Credit Report?
What is the Score Simulator tool?
Is there a fee?
Will accessing Credit Insights Credit Score ‘ping’ my credit and potentially lower my credit score?
How often is my credit score updated?
Your credit score will be updated every week you login, but you also have the ability to refresh your credit score, and full credit report every 24-hours by clicking “Refresh Score” and navigating to the Credit Score Dashboard.
How does the Credit Insights Credit Score differ from other credit scoring offerings?
Why do credit scores differ?
Will SmartBank use Credit Insights Credit Score to make loan decisions?
Will Credit Insights share clients credit scores with SmartBank?
How does Credit Insights keep my financial information secure?
If SmartBank doesn’t use Credit Insights Credit Score to make loan decisions, why do we offer it?
What if the information provided by Credit Insights appears to be wrong or inaccurate?
There is a section that features financial education articles. Why am I seeing this?
Does Credit Insights offer credit report monitoring as well?
Yes. After you have enrolled in Credit Score for the first time, Credit Insights will monitor and send email alerts when there’s been a change to your credit profile. When applicable, you can also find these monitoring alerts in online banking or the mobile app.
How do I change my email address or other personal information?
Your email address will get updated automatically in Credit Insights when you update it within online banking. We always encourage you to inform SmartBank of any changes to your contact information.
Am I able to choose which emails I receive from Credit Insights?
What if I have a question or an issue with Credit Insights?
Use the “Contact Us” feature available under “Resources” and “Profile Settings” to connect with our Credit Score partner, SavvyMoney. Once filled out, an automatic email is sent immediately acknowledging the receipt of the request and a corresponding support ticket is created in SavvyMoney’s customer support queue. You will get a direct response via email to your inquiry. If you have any questions, please do not hesitate to contact SmartBank toll-free at 866.290.2554.