Credit Score
Stay on Top of
Your Credit
Check your current credit score in It’sMe247 online banking or our Mobile Banking App. It’s fast, easy, and free!
Login Download Mobile AppCredit Score
Stay on Top of
Your Credit
Check your current credit score in It’sMe247 online banking or our Mobile Banking App. It’s fast, easy, and free!
Login Download Mobile App
Credit Scores 101
A credit score is a three-digit number ranging from 300–850 that represents your entire credit history. Credit scores are designed to help predict how risky you will be as a borrower and how likely you are to fulfill financial obligations. Five factors affect your credit score:
Payment History: Making on-time payments every month raises your score, and making late payments lowers it.
Payment History: Making on-time payments every month raises your score, and making late payments lowers it.
Credit Use: Using less than 30% of your available credit will help boost your score. Don’t max out your credit cards!
Credit Use: Using less than 30% of your available credit will help boost your score. Don’t max out your credit cards!
Credit History: People with longer credit histories tend to have higher scores.
Credit History: People with longer credit histories tend to have higher scores.
Types of Credit: Having a mix of different credit types, like credit cards, car loans, and a mortgage, helps your score.
Types of Credit: Having a mix of different credit types, like credit cards, car loans, and a mortgage, helps your score.
New Credit: Applying for a lot of new credit in a short amount of time may lower your score.
New Credit: Applying for a lot of new credit in a short amount of time may lower your score.
Why Credit Matters
Your credit score is one of the most important components of your financial profile, and there are a lot of advantages to having good credit.
Your credit score affects whether you’ll be approved for financing, how much you can borrow, and the interest rate you’ll pay.
Your credit score affects whether you’ll be approved for financing, how much you can borrow, and the interest rate you’ll pay.
People with higher scores typically receive lower rates for car loans, credit cards, and mortgages compared to those with a lower score – which can result in big savings over time.
People with higher scores typically receive lower rates for car loans, credit cards, and mortgages compared to those with a lower score – which can result in big savings over time.
Your credit affects more than your finances: Potential landlords and employers may also evaluate your credit history to choose the best candidate.
Your credit affects more than your finances: Potential landlords and employers may also evaluate your credit history to choose the best candidate.
Take Control of Your Credit
With SavvyMoney®, you can receive free ongoing access to monitor your credit, even if you’re not a South Bay Credit Union member.
Get notifications about credit changes.
Get notifications about credit changes.
Quickly identify credit bureau errors.
Quickly identify credit bureau errors.
Review personalized tips to help improve your score.
Review personalized tips to help improve your score.
Find the best rates available based on your score.
Find the best rates available based on your score.
Refresh your score daily with no impact to your credit.
Refresh your score daily with no impact to your credit.
Free Annual Credit Report
Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company (Equifax, Experian, and TransUnion). Visit annualcreditreport.com to request your free credit reports and make sure that all your information is correct and up to date.
Establish or Strengthen Your Credit
When used responsibly, credit is a great tool to help you reach your financial goals, like buying a car or your first home. If you have limited or inconsistent credit history, opening a secured credit card can help you start building a positive credit history.
Check Your Credit Score
Just log in to It’sMe247 online banking or our Mobile Banking App to find your current score in the My Accounts – Credit Score tab. Not a member yet? Enroll in SavvyMoney to access your score today!
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