As part of our commitment to supporting and educating our members, we are proud to offer the Credit Score Tool in partnership with SavvyMoney* — a free and convenient resource that provides Guardian members with access to credit score updates, alerts, monitoring, and personalized offers. The Credit Score Tool allows continuous monitoring of your credit score and more, all without negatively impacting your credit score.
Access the Credit Score Tool anytime, anywhere – FREE for Guardian members.
Get StartedExplore the Benefits
Access and Monitor Your Credit
Access your full credit report to view important details like your payment history, credit usage, different lines of credit, and other key factors that impact your score.
Monitor your credit report for unusual activity or errors, ensuring you're always alerted to potential issues and can stay on top of your financial health.
Credit Alerts and Protection
Stay informed with real-time credit alerts for changes in your credit score, new inquiries, and updates to your payment history, helping you protect against fraud and identity theft.
Credit Improvement Feautures
Set and achieve your credit score goals with personalized recommendations and progress tracking. Using the credit score simulator allows you to explore how different financial decisions impact your score.
Personalized Offers and Financial Tips
Receive personalized recommendations and actions to help improve your credit health and stay on track for your financial goals. Also, customized offers tailored to your unique credit profile, including personalized recommendations for loans, credit cards, and other financial products that align with your needs and goals.
How to Enroll
Log into Online Banking
- Hover over 'Financial Planning' in the top toolbar and select 'Credit Score Tool.'
- Please read and accept the disclosure to retrieve your Credit Score.
- This is a soft pull and will not affect your score.
- Explore the feature highlights in the pop-up dialog, or skip ahead to continue your credit monitoring journey.
Log into Mobile Banking
- First, log in to your mobile banking app. Tap the ellipsis in the bottom right corner, then select 'Financial Planning' and choose 'Credit Score Tool.'
- Scroll down and tap 'Get Started.'
- Please read and accept the disclosure to retrieve your Credit Score. Please read and accept the disclosure to retrieve your Credit Score.
- Explore the feature highlights in the pop-up dialog, or skip ahead to continue your credit monitoring journey.
Frequently Asked Questions
Is there a fee?
No. It's entirely Free, and no credit card information is required to register.
How often does my credit score get updated?
If you regularly access digital banking, your credit score will be updated every 7 days and displayed within digital banking. You can also refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Tool Dashboard within digital banking.
What if the information provided by SavvyMoney appears to be inaccurate?
Each credit bureau has its process for correcting inaccurate information, but every user can "File a Dispute" by clicking on the "Dispute" link within the SavvyMoney credit report.
Will enrolling or accessing the Credit Score Tool 'ping' my credit and potentially lower my credit score?
No. Checking your credit score through the Credit Score Tool is a "soft inquiry" which does not affect your credit score.
Take advantage of this exclusive member perk today!
Get Started* The services are provided by SavvyMoney, Inc., utilizing the VantageScore 3.0 model in partnership with TransUnion credit bureau. The credit report card and score is not used for determining loan rates or loan approval purposes; loan rates and approvals are based on information provided separately to Guardian Credit Union when you apply for a loan. The credit score found in the credit report used by Guardian Credit Union may be different than the credit score provided within SavvyMoney, as we do not use the Vantage 3.0 model.