Know Your Credit + Grow Your Confidence with My Credit Score

Whether you’re thinking about buying a home, financing a vehicle, or simply feeling more confident about your finances, your credit score plays a key role. The good news? You don’t have to guess where you stand—or how to improve it.

With My Credit Score, Powered by SavvyMoney, you can access your free credit score and full credit report anytime—right from digital banking.

Let’s walk through how credit works—and how this powerful tool can help you build it with confidence.

What Is Credit—and Why Does it Matter?

Your credit is your financial reputation. It’s reflected in your credit score, which shows lenders how reliably you repay borrowed money. A stronger score can open the door to:

• Lower interest rates
• Better loan options
• Greater flexibility when you need financing

With My Credit Score, you don’t have to wonder where you stand. You can monitor your score in real time, understand what’s impacting it, and make more informed decisions with confidence.

Start Building Credit with Confidence

If you’re new to credit, small, consistent steps can make a big difference—and having the right tools makes it even easier.

• Start small. A secured credit card can help you begin building credit safely.
• Pay on time. Your payment history is the single biggest factor in your score.
• Keep balances low. Aim to use less than 30% of your available credit.
• Apply strategically. Space out applications to avoid unnecessary dips in your score.

With My Credit Score, built into digital banking, you can see how these actions impact your score, helping you stay on track and make smarter choices along the way.

Keep Your Credit Score Healthy

Build credit is one step—maintaining it is where consistency pays off.

• Check your credit regularly. With My Credit Score, your credit report is always at your fingertips—no need to wait for annual reports.
• Pay more than the minimum. Reduce interest and pay down debt faster.
• Keep older accounts. A longer credit history can strengthen your score.
• Be mindful of new accounts. opening too many at once can raise red flags for lenders.

The best part? You can track your progress 24/7 without impacting your score, giving you the confidence to stay proactive.

See the Benefits of Strong Credit

A healthy credit score doesn’t just look good. It goes to work for you, allowing you to:

• Save money with lower rates
• Qualify more easily for loans
• Unlock more housing options
• Reduce financial stress with greater visibility and control

With My Credit Score, you’re not just seeing a number—you’re gaining insight into how to improve it and opportunities to make your money go further.

Your Credit Journey Starts Here

No matter where you’re starting, Verve is here to help you move forward.
With My Credit Score, you’ll have the tools, insights, and visibility you need, right at your fingertips in digital banking.
And don’t forget that you can learn more about credit scores and reports and build other financial knowledge through Verve’s Financial Resource Center, Our FREE online platform packed with financial education modules—at no cost to you!

The credit score provided by SavvyMoney, Inc. is intended to help you understand the factors that affect your credit score and ways you may be able to save money with Verve, a Credit Union’s loan products. The credit scores presented by SavvyMoney, Inc. are not so-called FICO scores and follow the model designed by SavvyMoney, Inc., which is not affiliated with Fair Isaac Corporation. The credit scores presented in SavvyMoney, Inc. may not be identical in every respect to any consumer credit scores provided by any other company, as well as the established credit score Verve, a Credit Union uses for loan approvals and determining loan rates. Credit Scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies, so your credit scores can vary if the information they have on file for you is different. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.