CreditAdvisor is a credit monitoring service available to all customers who have online banking. CreditAdvisor gives users convenient access to score updates, credit alerts, monitoring, and instant offers, right in online banking.

Our CreditAdvisor is powered by SavvyMoney.

A credit score is a three-digit number calculated to indicate your credit worthiness. The higher the score, the more credit worthy you are to a lender. Credit score is calculated from information in your credit report and takes into account whether you have been making on-time payments, your revolving debt use, length of your payment history, and other such factors. It is important to know that your score does not take your age, income, employment, marital status, or your bank account balances into account.

A good score may mean you have easier access to more credit, and at lower interest rates. The consumer benefits of a good credit score go beyond the obvious. For example, underwriting processes that use credit scores allow consumers to obtain credit much more quickly than in the past.

If the user regularly accesses digital banking, their credit score will be updated every 7-days and displayed within their digital banking. They can also refresh their credit score and full report every 24-hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.  

Each of the three credit bureaus has its own process for correcting inaccurate information, but every user can take action in CreditAdvisor to report errors.

In the Credit Report tab, scroll all the way to the bottom to see a box labeled: ‘See Any Errors?’ Click ‘Start a Dispute’ to continue. 

No. Using CreditAdvisor is a “soft inquiry”, which does not affect a credit score. Lenders use “hard inquiries” to make decisions about credit worthiness when you apply for loans.