Credit Score Monitoring

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Free Access to Your Credit Report & Score on Home Banking

Master your credit standing with no purchase or credit card required.

Take greater control of your financial life with SavvyMoney, Cyprus Credit Union’s free credit-tracking tool. This complimentary service provides 24/7 access to your TransUnion credit score and report as well as credit monitoring alerts, financial education resources, and tips on how to improve your credit—all easily accessible from Home and Mobile Banking.

SavvyMoney is available to Cyprus members with Dream Checking accounts. Want to see your credit score but don’t have a checking account? Open your Dream Checking account today.


Get Started in Home Banking


Credit Score

Credit Confidence

Never miss a thing with real-time security updates any time your credit file changes.


Daily Score Updates

Empower your financial decisions by accessing your score anytime anywhere.

Money in Hand

Money-Saving Offers

 Turn your credit into an engine for financial achievement with personalized savings offers.


Staying up to date on your credit is easy with these great SavvyMoney tools.

Credit Score
Access your regularly-updated TransUnion credit score. Use the Analysis section to find out what influences your score and how to improve your rating. 

Credit Report
View a summary of your credit accounts and their balances.

Score Simulator
See how your credit activities could impact your credit score in the future.

Credit Monitoring
Have peace of mind knowing your credit report is monitored daily. You’ll be alerted of any key changes on your report.

Credit Disputes
File a dispute directly through TransUnion to address any errors or inconsistencies in your credit report.

See what others like you have asked about their credit scores and reports.

Your Money Tool
The Your Money section provides tips for increasing your credit score and optimizing your financial health.



It's Easy to Get Started

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Accessing SavvyMoney

SavvyMoney is conveniently available on Home Banking and Mobile Banking. Simply follow these three steps to get started.


  1. Log into your Home or Mobile Banking account.
  2. Go to the Services tab in the Home Banking menu.
  3. Select the Credit Score and Report option.

Don’t have the app? Search for Cyprus CU Mobile Banking on Apple’s App Store or Google Play.



Home Banking



Frequently Asked Questions

What is SavvyMoney?

SavvyMoney is a comprehensive credit-score program offered by Cyprus Credit Union to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact your score, and can see the most up-to-date offers that can help reduce your interest costs or lower your monthly payments. With SavvyMoney, you always know where you stand with your credit and how Cyprus can help save you money. 

SavvyMoney also monitors your credit report daily and informs you through digital banking and email if a significant change is detected, such as a new credit account, a change to your address or employment, a new delinquency report, or a recent credit inquiry. Monitoring also helps you keep an eye out for identity theft. 
Will accessing SavvyMoney Credit Score lower my credit score?
No. Checking SavvyMoney Credit Score is always a “soft inquiry,” which does not affect your credit score. Typically, lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans. A hard inquiry may affect your credit score
What is my SavvyMoney Credit Report?
Your SavvyMoney Credit Report provides you with the information on your credit file, including a list of current or previous loans, accounts, and credit inquiries. You’ll also be able to see details on your payment history, credit utilization, and public records that show up on your account. Like your SavvyMoney Credit Score, there will be no impact to your score when you check your SavvyMoney Credit Report. 
What is the Score Simulator tool?
Score Simulator is an interactive tool that allows you to select various actions you may take and see how your score could be affected. Different actions (such as paying off a credit-card balance) could impact your score positively or negatively. Just like checking your credit score through SavvyMoney, using the simulator does not affect your actual credit score. 
Is there a fee to use SavvyMoney?
No. SavvyMoney is entirely free, and no credit card information is required to register.
How often is my credit score updated?
As long as you regularly access digital banking, your credit score will be updated every seven days and made available on Home and Mobile Banking. You also have the ability to refresh your credit score and credit report every 24 hours by clicking “Refresh Score” on the Credit Score and Report dashboard in Home or Mobile Banking.
Why do credit scores differ?
Your credit score may vary depending on which source you use to access it. This is not only because there are three major U.S. credit bureaus (Equifax, Experian, and TransUnion) but also because there are two major credit-scoring models used in the U.S.: FICO and VantageScore. Over 200 factors are considered in the creation of a credit score and report. Since each scoring model may weigh the various factors differently, your credit score may not be identical from one source to the next (although it should be similar in general). 
How does the SavvyMoney Credit Score differ from other credit-score sources?
SavvyMoney pulls your VantageScore 3.0 credit profile from TransUnion. VantageScore 3.0 is a credit-scoring model developed collaboratively by the three major credit bureaus (Equifax, Experian, and TransUnion). This model seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health.
Does Cyprus Credit Union use SavvyMoney credit scores to approve or deny loans?
No. Cyprus Credit Union uses its own lending criteria when making final loan decisions. However, the SavvyMoney tool can show you estimated savings opportunities on new and existing loans. Your final interest rate, loan term, monthly payment, and other factors will be determined after you’ve submitted your application. 
If Cyprus Credit Union doesn’t use SavvyMoney Credit Score to make loan decisions, why do we offer it to our members?
SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase (like buying a home, car, or paying for college), you’ll have a clearer picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Cyprus Credit Union.
Will SavvyMoney share my credit score with Cyprus Credit Union?
No. Cyprus Credit Union does not have access to your credit file unless you choose to share it with us. However, if you would like to share your credit report with Cyprus or a trusted party, you can easily download your SavvyMoney credit report by navigating to the Credit Report tab and selecting Download Report
How does SavvyMoney Credit Score keep my financial information secure?
SavvyMoney uses bank-level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party. 
What if the information provided by SavvyMoney appears to be wrong or inaccurate?
SavvyMoney makes its best effort to show you the most relevant information from your credit report. If you think some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from and then proceeding with each credit bureau individually (each bureau has its own process for correcting inaccurate information). Disputes with TransUnion can be filed by clicking on the Dispute link within your SavvyMoney Credit Report. Additionally, the Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors. 
There’s a section on the site that features product offers from Cyprus Credit Union as well as financial education articles. Why am I seeing this?
Based on your SavvyMoney Credit Score information, you may receive pre-qualified offers (invitations to apply) from Cyprus Credit Union for products that may be of interest to you. These offers may have lower interest rates than the products you already have or can save you money on your monthly payments. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.
Does SavvyMoney offer credit monitoring?
Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile. These alerts may also be available on your online banking account. To view them, log into Home or Mobile Banking, select the Services tab in the menu, choose Credit Score and Report, and go to the Alerts section. 
How do I change my email address or other personal information?
Your email address will get updated automatically in SavvyMoney when you update it in Home or Mobile Banking. We always encourage you to inform Cyprus Credit Union of any updates to your contact information. 
Am I able to choose which emails I receive from SavvyMoney?
Yes, you can easily choose when SavvyMoney contacts you. Navigate to the Resources tab, then go to Profile Settings to choose which email notifications you’d like to receive. SavvyMoney sends out three types of emails: Credit Monitoring Alerts, General Messages, and Monthly Notices. Although you’ll automatically be enrolled to receive all of these email communications at first, you can easily unselect the specific email types you do not wish to receive.
Can I use SavvyMoney on my mobile device?
Yes, SavvyMoney Credit Score and all other features are available on Cyprus’ Mobile Banking app.

I share a Home Banking login with someone else. How can we each see our own SavvyMoney Credit Scores online?

To view your own SavvyMoney credit score online, simply create a Home Banking login of your own. If you’re on our website, navigate to the Home Banking login area and select Enroll. If you’re using our Mobile Banking app, select Enroll located in the teal bar at the bottom of the login field.
The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the Cyprus Credit Union web site.

The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
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