My Credit Score

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Your credit score is a snapshot of your credit risk at a particular point in time. It can impact your ability to get a loan, receive the best loan rate, and in some cases, get a job. It is important that you know what your credit score is and understand what factors make up that number. SavvyMoney is a free resource within online banking that provides you free, ongoing access to your credit score, factors that impact it, and what you can do to strengthen it. Get started by logging in to online banking, then click “SavvyMoney” under “Money Management”.

Features + Benefits

  • Complete credit report with your score
  • Break-down of each section of your credit report
  • Suggestions to improve your score
  • Personalized money-saving offers
  • Financial education tips
  • Monitoring alerts
  • Easily dispute errors
  • And more

Interactive Learning Experiences

Your credit score may seem like an ambiguous number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are. Zogo offers short, interactive learning experiences will provide valuable information that will empower you to make smart financial decisions and create the life of your dreams.

We partner with the app that pays you to learn financial literacy. Download Zogo today with access code MYUSA.

Annual Credit Report

The three nationwide credit reporting companies (Experian, TransUnion, and Equifax) have a central Web site, toll-free number, and mailing address where you can order your free annual report. If you are planning a big purchase soon (new car or home) you may want to order all three credit reports at once. That way you can catch and correct any errors right away. If you’re not planning a big purchase, order from one bureau every 4 months to catch suspicious activity throughout the year.

  • Website for Free Credit Report:
  • Call for Free Credit Report: 877.322.8228
  • Mail for Free Credit Report: PO BOX 105281, Atlanta, GA 30348-5281

Credit Education

Identity Theft

If you think you have become a victim of identity theft, visit report suspected identity theft to the FT online or call 877-438-4338.