# Credit Score by Savvy Money

Source: https://www.gatewayfirst.com/digital-tools/credit-score

## Your credit score, and more. Anytime. Anywhere.
Staying on top of your credit score has never been easier.
### What are the benefits of Credit Score?

Powered by Savvy Money, you have one powerful tool to access your credit score, full credit report, credit monitoring, financial tips, and education.

- Access to your credit score & report
- Real-time credit monitoring alerts
- Personalized credit report
- Credit score simulator & goals
- Financial checkup
- ... and more!
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## There is no need to wait!

Access your credit score and report in our mobile app and online banking.
### You've got questions, we've got answers.
#### What is Credit Score and More?
Credit Score and More helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
#### Does Credit Score and More offer Credit Monitoring as well?
Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.
#### Is there a fee for Credit Score and More?
Credit Score and More is entirely free to Gateway First Bank customers.
#### Will accessing Credit Score and More “ding” my credit and potentially lower my score?
Credit Score and More is a “soft inquiry” which does not affect your credit score. Lender’s use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
#### How often is the credit score updated?
The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
#### What is the information provided by Credit Score and More appears to be wrong or inaccurate?
Credit Score and More make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Gateway First Bank Credit Score and More user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this information with the other bureaus if the inaccuracy is verified.
#### Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial Institutions use different bureaus, as well as their own scoring models. Over 200 credit factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
Published: 2024-05-13T18:46:37.908Z