Credit Score
Powered by SavvyMoney
With Credit Score, powered by SavvyMoney, staying on top of your credit has never been easier. Learn how this free service can help you.
Credit score monitoring. Anytime. Anywhere. And for free.
With one powerful tool and no impact to your credit, you can access your credit score, get a full credit report, and benefit from credit monitoring, financial tips, and education.
What you can expect from Credit Score, powered by SavvyMoney
With one powerful tool you get free credit monitoring, instant access to factors impacting your credit score with detailed recommendations, education to clarify how your credit score is calculated, and more.
FREE CREDIT SCORE AND MORE
Benefits of Credit Score
Helpful features include:
- Daily access to your credit score
- Real-time credit monitoring alerts
- Credit score simulator
- Personalized credit report
- Special credit offers
- And more!
With all these benefits, there’s no need to wait.
How to get started
Sign in to Digital Banking
Sign in through your mobile app or web browser. You must be enrolled in Digital Banking.
Click or tap “See Your Credit Score”
Look to the bottom right and find the “See Your Credit Score” button.
Use the site to access your credit score and other features
Opt in and sign up for the Credit Score service.
Your credit score, daily.
Take control of your credit score easily from our mobile app and online banking—access all Credit Score features and benefits in one convenient spot.
Frequently Asked Questions (FAQs)
What is Credit Score powered by SavvyMoney?
Credit Score provides your latest credit score and report, and helps you understand key factors that impact those scores. It also monitors your credit daily and informs you by email if any significant changes are detected. It will inform you if an inquiry has been reported, and if there are changes in address, employment, delinquency, or if a new account was opened.
Do I have to be enrolled in a specific product to get my credit score or is this available to everyone that has Digital Banking?
Any customer that has a personal Digital Banking account and is over the age of 18 can enroll in the service. There is no specific product requirement.
Is there a fee for Credit Score?
Credit Score is entirely free to Amegy Bank clients.
Will accessing Credit Score “ding” my credit and potentially lower my credit score?
Credit Score is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
Is there an age requirement?
Yes. Customers must be over the age of 18 to enroll.
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.
Why do credit scores differ?
Three major credit-reporting bureaus (Experian, Equifax, and TransUnion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
What if the information provided by Credit Score appears to be wrong or inaccurate?
Credit Score does its 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 Amegy Bank Credit Score user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score. TransUnion will share this with the other bureaus if the inaccuracy is verified.
Does Credit Score offer credit monitoring as well?
Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Will Amegy Bank use Credit Score to make loan decisions?
While Amegy Bank may use information from Credit Score to determine prequalification opportunities for certain credit products, Amegy Bank does not use Credit Score for making loans, but instead uses its own lending criteria (i.e., FICO® Score and other attributes) to determine loan application decisions.
Who do I contact after I file with Experian?
You will need to follow up with Experian and not Amegy Bank. Their phone number is 888-397-3742.