Wildfire knows that when it comes to your financial health, you don't want anything left up to chance or guesswork. That's why we've partnered with SavvyMoney, a credit score tool that allows our members around-the-clock access to their credit scores, reports, and trajectories all for FREE. Opt in to SavvyMoney in our online banking or mobile app by clicking "Show my Score!"
Opt in to SavvyMoney through Wildfire's personal online banking or mobile app.
Online Banking:
Mobile App:
No, SavvyMoney uses what is known as a “soft inquiry” to show you your credit information, which does not affect credit scores. “Hard inquiries” can impact your credit, but they are typically only pulled when making lending decisions—a process that SavvyMoney is not involved in.
Examples of hard inquiries:
Examples of soft inquiries:
Credit scores can vary for several reasons:
Different scoring models exist, like FICO and Vantage. Savvy Money uses the Vantage 4 score.
Even within a model, there are different versions (e.g., Vantage 2, 3, or 4).
Lenders may adjust how they weigh certain factors, like auto or mortgage payments to reflect the score.
Creditors report updates at different times, so recent changes in payments or credit use can affect your score.
Manage credit & your bank account in one place.
Enroll in SavvyMoney right within our personal online banking or mobile app today!
