Gain free, instant access to your credit score, credit report, and personalized money-saving offers within Digital Banking!
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Dutch Point Credit Union makes it easy for you to view and monitor your credit score and report with SavvyMoney. You now have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score or maintain an already great score.

With SavvyMoney you'll be able to:

  • Review your credit score and credit report
  • Receive daily monitoring with alerts for major changes
  • Understand the factors that impact your credit score
  • Identify credit bureau errors
  • Work toward your financial goals!

SavvyMoney is available in Digital Banking and is completely free for you to use. Simply log in and click on My Credit Score in the navigation menu. 

Don't use Digital Banking? Enroll today and gain immediate access to SavvyMoney. 

Learn more about SavvyMoney below.


  • What is SavvyMoney?

    SavvyMoney is a comprehensive Credit Score and Report program offered by Dutch Point that helps 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 or lower your monthly payments. With this program, you always know where you stand with your credit and how we can help save you money.

    SavvyMoney also monitors your credit report daily and informs you through Digital Banking 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 users keep an eye out for identity theft.
  • What is the Score Simulator tool?

    The 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, like paying off a credit card balance might make your score move up or down. Just like checking your credit score through SavvyMoney, using the simulator does not affect your actual credit score.
  • How often is my credit score updated?

    As long as you regularly access Digital Banking, your credit score will be updated every 7-days. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh Score” on the detailed Credit Score Dashboard.
  • How does the SavvyMoney differ from other credit scoring offerings?

    SavvyMoney 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.

  • Why do credit scores differ?

    There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or 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 considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical but should directionally be similar. 
  • Will Dutch Point use SavvyMoney Credit Score to make loan decisions?

    No, Dutch Point 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. Final rate, term, monthly payment, and other factors will be determined at the time of application.
  • Will accessing SavvyMoney Credit Score ‘ping’ my credit and potentially 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.
  • 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 and then under “Profile Settings” you can choose which email notifications you receive. SavvyMoney sends out three types of emails: Credit Monitoring Alerts, General Messages and Monthly Notices. You will be automatically enrolled in all email communications and can easily unselect the specific email types you wish to not receive.
  • 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 that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within SavvyMoney. In addition, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.

At Dutch Point, it's all about you. We empower you to make financial decisions that are right for you. We pledge to help you meet and exceed your financial goals through all the stages of your life.