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SavvyMoney®

Stay on top of your credit with SavvyMoney®, our free, built-in credit wellness tool that gives you quick, secure access to your credit score, full credit report and real-time monitoring alerts without impacting your score. 

Enroll in SavvyMoney

Enroll in Exchange OnLine

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Powerful Credit Tools at your fingertips 

Accessible anytime through Exchange OnLine or the personal NEBAT Mobile App, SavvyMoney makes credit wellness easier than ever!  

Explore how everyday financial decisions impact your score using the interactive Score Simulator and track your Debt-to-Income ratio, all while receiving simple, personalized tips to improve your credit health!  

Smart Features for Stronger Credit Decisions 

  • Free access to your credit score and full credit report with no impact on your score.  
  • Daily score refreshes to keep you up-to-date.  
  • Email alerts for major credit changes, helping you spot fraud or errors quickly.  
  • Score Simulator to test “what if” scenarios before making financial decisions.  
  • Credit education & tips to help you build and maintain healthy credit.  
  • Debt-to-Income insights for a clearer view of your financial picture.  

SavvyMoney FAQs  

What is SavvyMoney’s Credit Score?  

SavvyMoney is a comprehensive platform inside of Exchange OnLine that provides users with free, ongoing access to their latest credit scores, credit reports and credit monitoring. SavvyMoney uses TransUnion VantageScore 3.0 to soft-pull credit scores.   A soft-pull does not impact your credit score.   

What is the Score Simulator Tool?  

Score Simulator is an interactive tool that allows users to see how hypothetical actions may affect their credit score before making financial decisions. Using the simulator does not affect your credit score.  

How often are credit scores updated?  

SavvyMoney provides daily credit score refreshes, so you can keep up with changes and trends over time. 

What factors influence my credit score?  

Your credit score is influenced by five major categories: payment history (40%), credit utilization/usage (23%), length/age of credit (21%), credit mix (11%) and new credit inquiries (5%).  

What alerts will SavvyMoney send me?  

SavvyMoney alerts can notify you about events like new account openings, new credit inquiries, delinquencies, fraud alerts, public record changes, new address updates or new employers appearing on your credit file.  

How do I manage my SavvyMoney email notifications?  

Go to the “Resources” tab, select “Profile Settings” and adjust your preferences under “Email Notifications.”  

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