Understanding your credit doesn’t have to be confusing or time-consuming. At Heartland Credit Union, we offer Credit Score Manager powered by SavvyMoney, a free tool inside Digital Banking that helps you stay informed, spot potential issues early, and make smarter financial decisions with confidence.
The big picture:
Your credit score is a key part of your overall financial health. It plays a role in everything from loan approvals and interest rates to future financial opportunities. SavvyMoney gives you a clear, easy-to-understand view of your credit so you’re never left guessing where you stand.
Best of all, it’s free for HCU members and available right inside Digital Banking—no extra apps, no hassle, and no impact on your credit score.
Why it matters:
When you understand your credit, you’re better equipped to:
- Qualify for better loan rates
- Reduce interest costs over time
- Catch fraud or suspicious activity early
- Make informed decisions before applying for new credit
SavvyMoney helps turn your credit score into a useful tool—not just a number—so you can take proactive steps toward long-term financial wellness.
The details:
With Credit Score Manager, you can:
- Check your credit score anytime: View your credit score and full credit report with regular updates, all without a hard inquiry.
- Monitor for fraud and identity theft: Receive alerts if significant changes are detected on your credit report.
- See how decisions may impact your score: Use the built-in credit score simulator to explore “what if” scenarios—like paying down debt or opening a new account—before you make a move.
- Get personalized tips: Receive tailored recommendations designed to help you improve or maintain your credit based on your unique credit profile.
- Discover money-saving opportunities: See loan offers that may help you save money or better align with your financial goals.
The bottom line:
Credit Score Manager puts powerful credit insights right at your fingertips—helping you stay informed, plan ahead, and feel confident about your financial choices.
If you’re already using HCU Digital Banking, you’re just a few clicks away from taking control of your credit. Log in, explore Credit Score Manager, and make your credit work for you.
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