Introducting What SavvyMoney Is

And How to Use It in Digital Banking

For a lot of people, “credit” feels like a mystery score that changes without warning. You pay your bills, you try to do the right things, and then you’re left wondering: Am I doing okay? That’s exactly why Widget Financial added SavvyMoney.

SavvyMoney is a free tool for Widget Financial members, available inside Digital Banking (mobile or desktop). It gives you a simple way to check in on your credit and get helpful insights—without needing to hunt down information across multiple sites.

Benefits of Credit Score:

  • Daily Access to your Credit Score

  • Real-Time Credit Monitoring Alerts

  • Personalized Credit Report

  • Special Credit Offers

  • And More!

How to access SavvyMoney

You can find SavvyMoney inside Digital Banking:

• On mobile: Open the Widget Financial Digital Banking app, log in, and look for “SavvyMoney” on the dashboard or in the menu.

• On desktop: Log in to Digital Banking through your browser and navigate to “SavvyMoney” from the dashboard or menu. If you don’t see it right away, check the “More” menu (if available), or reach out—we’re happy to point you to the right place.

What you can do with SavvyMoney

SavvyMoney is designed to make credit information easier to understand. Depending on the features available in your experience, you may be able to view your credit score, track changes over time, and see the major factors that influence your score. That last part is important: most credit improvements come from a handful of habits. SavvyMoney can help you identify which habits will give you the biggest return, instead of trying random “credit hacks” that may not work.

Credit Score and More FAQ’s (SavvyMoney)

Credit Score and More 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.

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

Credit Score and More is entirely free to Widget Financial consumers.

Credit Score and More 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.

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.

Credit Score and More make it best 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 Widget Financial Credit Score and More user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this with the other bureaus if the inaccuracy is verified.

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.

Widget Financial uses its own lending criteria for making loan decisions.

Your Credit Score. Daily. And Secure.

Access your credit score and report in our mobile app and online banking.