Credit IQ Powered by SavvyMoney

Credit IQ by Savvy Money is a credit monitoring service that pulls your credit score from Transunion and uses VantageScore 3.0. VantageScore 3.0, is a credit score model developed by the three credit union bureaus – Equifax, Experian, and TransUnion.

No, using Credit IQ is absolutely free and benefit for AMOCO members!

No, you can check your credit score as many times as you want and it will not affect your credit score.

Your credit score will be updated every month.

Your credit score is tied to your individual login, other owners will not be able to see your credit score when accessing the eBranch through their individual logins.

Credit IQ uses bank level encryption and security measures to keep your data secure. Your personal information is never sold to a third-party.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models.

Your personal information such as name and address is displayed based on your credit report. If this information is incorrect, we recommend contacting the individual credit bureaus (links below) to find which report is displaying incorrect information, and process a dispute if necessary.

Equifax – How do I correct or dispute information on my credit report?

Experian – How to dispute credit report information

TransUnion – Manage/Dispute your information