Give Your Credit Score a Little Love with SavvyMoney
Give Your Credit Score a Little Love with SavvyMoney
Your credit score is like a financial valentine, treat it with care, and it will love you right back. In this blog, you’ll learn how your credit score plays a major role in everything from loan rates to future financial opportunities.
Small habits can make your credit fall head‑over-heels for you. Small habits include paying bills on time, keeping credit balances low, and reviewing your credit report each year. Those are simple yet effective ways to show your credit some affection.
We get it, credit scores may seem overly complex with each different category and what affects it. SavvyMoney is here to make your financial relationship a lot less “it’s complicated" and more "official". Think of it as the perfect match to help you understand, monitor, and improve your score.
What Is SavvyMoney?
As a member of LincOne, you have access to SavvyMoney. SavvyMoney is a free credit‑monitoring tool built right into your Online Banking and the Mobile App. You get the ability to check your credit score anytime without affecting it, track changes, and receive personalized insights. Not to mention it provides tools to build healthier credit habits.
SavvyMoney gives you:
- Daily access to your credit score (without impacting it)
- Real-time credit monitoring alerts
- A personalized credit report and insights tailored to your profile
- A credit score simulator to preview how financial decisions might affect your score
- Everything in one convenient place for better financial clarity
Understanding your credit is the first step toward improving it. SavvyMoney makes that step as easy as saying “Be mine.”
How to Enroll
Getting started takes just a moment:
- Log in to Online Banking or the Mobile App and look for the Credit Score & Report widget.
- In Online Banking, find the SavvyMoney widget on the right side of your screen.
- In the Mobile App, look under the Accounts tab below the debit card section.
- If you have already enrolled in SavvyMoney, click "Show Full Report." If not, click "Enroll."
More Ways to Use SavvyMoney
Here are additional features you can use once you're inside SavvyMoney, each designed to help your credit life flourish:
- Score Analysis
- See how your score is built. Explore sections like payment history, credit usage, account mix, age of credit, and inquiries. Each category has clear explanations and letter grades. These help you see where you excel and where you can improve.
- Check Your Credit Report
- Access a detailed report showing all your accounts, balances, and activity. This helps you spot errors, stay informed, and keep your credit history as clean as a fresh Valentine’s card.
- Use the Credit Score Simulator
- Are you planning on opening a new credit card or paying off a loan? For those with commitment issues (no judgment), the simulator shows how different scenarios might impact your credit score. It’s like speed‑dating for financial decisions, but without the awkwardness.
- Set Personalized Credit Score Goals
- Whether you’re aiming for a higher score or preparing for a big purchase, you can set a goal and track your progress. SavvyMoney helps you stay on track with reminders and guidance. Think of it as your credit score’s personal love coach.
- Explore Financial Checkups & Action Plans
- SavvyMoney highlights what’s helping and hurting your score and offers a step‑by‑step plan to improve it. Consider it your financial “love language”, clear, supportive, and tailored just for you.
A Sweet Summary
SavvyMoney is a free, and powerful way to monitor your credit. It helps you understand your financial habits and make improvements with confidence. Whether you're just getting to know your credit score or working to strengthen it, SavvyMoney is the perfect partner.
This Valentine’s season, give your credit the attention it deserves. Because a little love today can lead to a long‑lasting financial relationship.
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