Routing #: 28158144
OFCU knows the importance of protecting our members. That’s why we are introducing SavvyMoney, a FREE new tool that allows you to access your free credit score, credit report, personalized interest-saving offers, and financial education tips on improving or maintaining an already great score.
It's built into our online banking platform, so you will not need additional login information.
The benefits of accessing your Savvy Money Credit Score today include the ability to:
For more information, check out our Savvy Money Credit Score FAQs information below or speak with an OFCU Member Service Representative.
Never miss a thing with real-time security updates any time your credit file changes.
Empower your financial decisions by accessing your score anytime and anywhere.
Turn your credit into an engine for financial achievement with personalized savings offers.
In the event you find an error on your credit report, you can dispute the error quickly and easily.
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1. Log in to Online Banking.
2. Click on the hamburger button (The three lines to expand the menu)
3. Click on Credit Score under Services
3. Answer a few questions to verify your identity
4. Your score will appear
You will only have to go through these steps the first time you use SavvyMoney. From then on your score will be displayed when you log in to online banking.
No. Checking SavvyMoney Credit Score 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.
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.
The SavvyMoney Credit Score 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 Annual Credit Report.com, and then pursuing action 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 their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
SavvyMoney is a comprehensive Credit Score program offered by Ozark Federal Credit Union, 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. With this program, you always know where you stand with your credit and how Ozark Federal Credit Union can help save you money.
Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, a 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.
SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.
No. SavvyMoney is entirely free for Ozark Federal Credit Union members and no credit card information is required to register.
If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.
The score displayed in digital banking is for the primary individual on the membership only.
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