SavvyMoney®

If credit scores tell a story, what would yours say about you?

These three digits are a big deal

Keep an eye on your credit score with our free service

The numbers range from 300 to 850. At first, they might not mean much to you. But soon enough, you'll understand your credit score has a lot to do with whether you can get a loan, obtain housing, even qualify for certain jobs. At Excite Credit Union, our SavvyMoney service lets you see where things stand anytime you want. Plus, it provides vital updates that let you know how and why your credit rating may be changing. 

  • Free ongoing access to your credit score
  • Continuous access to your credit report at no charge
  • Credit protection alerts any time key report information changes
  • Personalized analysis of each component of your credit rating
  • Educational articles, videos and other tools to help you master your credit

Get started today by:

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Frequently Asked Questions

SavvyMoney is the best credit score information service out there if you’re looking to crack the code of credit ratings or learn how the information on your credit reports translates into a score. SavvyMoney will help you cut through the clutter of opinions and sales pitches to get to the facts of how you can use your credit to accomplish your life goals.

Tools offered by SavvyMoney include:

  • A free credit score every month
  • Personalized analysis of each component of your score
  • Clear, simple explanations of factors impacting your score
  • Videos and daily articles from personal finance expert Jean Chatzky

There is no cost to you whatsoever for the SavvyMoney credit score services or products provided by the Credit Union.

SavvyMoney uses industry-standard security practices to protect your data.

Utilizing the services or products offered by SavvyMoney will never directly impact your credit score. When SavvyMoney accesses your credit file information, it results in a “soft inquiry” that doesn’t alter your score in any way.

No, Your SavvyMoney credit score may differ from the credit score model used by the credit union to make loan decisions. The Savvy Money Credit Score is an indicator of your overall credit but should not be relied upon to determine loan eligibility or pricing from Excite Credit Union.

In response to member feedback, we're planning to implement this functionality in the next phase of our SavvyMoney service. We'll be sure to let you know when this option becomes available.

Contact us at 800.232.8669.

If someone has fraudulently used your identity to establish credit, contact us immediately at Excite Credit Union and then quickly report the incident to each of the consumer reporting agencies:

Experian
888.397.3742

Equifax
800.525.6285

TransUnion
800.680.7289

Innovis
800.540.2505

Excite Credit Union is a full-service credit union with locations in San Jose, CA, Sunnyvale, CA, and Wilmington, NC.

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