All channels (Branches, Phones, Chat) are available and experiencing high volumes. You can now call or chat with us from 8 AM to 8 PM on weekdays and 10 AM to 6 PM on Saturdays. We will assist you as quickly as possible. Thank you for your understanding.
Credit Score Insights
Monitor and Maintain Your Healthy Credit
Credit Score Insights
Your credit score impacts virtually every aspect of your life — from getting a loan to finding a place to live or even landing a job. Which is why it’s so important to know and understand your score.
Credit Score Insights, powered by SavvyMoney, gives you instant access to your credit score, credit report, and tips for building, improving, and maintaining healthy credit.
Best of all, it’s integrated in our Digital Banking platform, so you’re already set up to start using it. With Credit Score Insights you can:
- Get instant access to your credit score and report
- Receive daily credit monitoring with alerts for major changes
- Identify and correct credit bureau errors
- Understand the factors that impact your score
To get started with Credit Score Insights, register or log in now to Digital Banking.
How to Get Your Score
- Register for or log in to Digital Banking and click on the Credit Score widget or click Show my Score on your dashboard.
- Review the disclosure, check the box to agree and click continue.
- View your score. It will update on a monthly basis.
Frequently Asked Questions
-
Credit Score Insights, powered by SavvyMoney, is a comprehensive program offered by Rivermark to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs.
Credit Score Insights also monitors your credit report daily and can let you know if there are any big changes detected, like a new account being opened, change in address or employment, a delinquency has been reported, or an inquiry has been made. Monitoring also lets you keep an eye out for identity theft.
-
As long as you are a regular Digital Banking user, your credit score will be updated every month and displayed in your online banking screen.
-
Absolutely not! Checking Credit Score Insights is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.
-
Credit Score Insights pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, 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 a better picture of their credit health.
-
There are three major credit reporting bureaus – Equifax, Experian and TransUnion – and two scoring models – FICO and VantageScore – that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weight credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges:
A+ 730 – 850
A 680 – 729
B 640 – 679
C 600 – 639
D 550 – 599
E 549 and below
-
Credit Score Insights makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong, we encourage you to click the ‘Dispute Report’ button within the Credit Score Insights widget in Online Banking to dispute any inaccuracies.
-
No, Rivermark uses our own lending criteria for making loan decisions.
-
Because we think information is power. So we offer Credit Insights as a free service to help you manage your credit on a regular basis. So when it comes time to borrow for a big-ticket purchase — like buying a home, car, or paying for college — you have a clear picture of your credit health right from the start.
Boost Your Money Smarts With Free Online Learning
Your membership comes with access to our free, online Financial Education Center where you can learn the basics when it comes to your finances. Check out a sample of the modules below.
