At DOCFCU, we want to empower you to take control with SavvyMoney®, our free easy-to-use service. We provide you with safe and easy access to your credit score and report anytime and anywhere. Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score. Staying on top of your credit has never been easier!


  • Daily Access to your Credit Score

  • Real Time Credit Monitoring Alerts

  • Credit Score Simulator 

  • Personalized Credit Report

  • Special Credit Offers

  • And More!

Frequently Asked Questions about SavvyMoney®

SavvyMoney® helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Yes. SavvyMoney® will monitor and send email alerts when there has been a change to your credit profile.

SavvyMoney® is entirely free to DOCFCU members.

SavvyMoney® is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as everyday for an updated credit score.

SavvyMoney® make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from and then dispute the inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every DOCFCU SavvyMoney® user can “File a Dispute” with Transunion by clicking on the “Dispute” link within SavvyMoney®. Transunion will share this with other bureaus if the inaccuracy is verified.

Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial Institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

  1. Log in to Online Banking or enroll now
  2. Once you are logged in, the Savvy Money widget will be located under your account and loan balances. 
  3. Click enroll and you’re all set!


With the DOCFCU Mobile app, you can do all the same things as Online Banking – but from the convenience of your smartphone! The DOCFCU Mobile app is available for Apple and Android devices from your app store: