STAYING ON TOP OF YOUR CREDIT HAS NEVER BEEN EASIER.

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.

All of this without impacting your credit score.

You can do this ANYTIME and ANYWHERE and for FREE.

YOUR CREDIT SCORE. DAILY. AND SECURE.

Access your credit score and report in our mobile app and online banking.

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Check out these great features of Golden Belt Bank's Credit Score powered by SavvyMoney®:

  • Daily access to your credit score
  • Real time credit monitoring alerts
  • Credit score simulator
  • Personalized credit reports
  • Special credit offers
  • And more!

How to Enroll

  1. Login to online banking or our mobile banking app.
  2. Look for the Credit Score box and click on Show my Score.
  3. Follow the on-screen instructions to complete your enrollment.

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Frequently Asked Questions

What is Golden Belt Bank's Credit Score powered by SavvyMoney®?

Golden Belt Bank's Credit Score helps you stay on top of your credit by providing your latest credit score and report while highlighting 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.

Does Golden Belt Bank's Credit Score include credit monitoring?

Yes. Golden Belt Bank's Credit Score will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for Golden Belt Bank's Credit Score?

Golden Belt Bank's Credit Score is entirely free to Golden Belt Bank customers. However, you must use our mobile or online banking service in order to subscribe.

Will accessing Golden Belt Bank's Credit Score "ding" my credit and potentially lower my credit score?

Golden Belt Bank's Credit Score 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.

How often is the credit score updated?

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

What if the information provided by Golden Belt Bank's Credit Score appears to be wrong or inaccurate?

Golden Belt Bank's Credit Score 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 www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Golden Belt Bank Credit Score user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score. Transunion will share this with the other bureaus if the inaccuracy is verified.

Why do credit scores differ?

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.

Will Golden Belt Bank's Credit Score be used to make loan decisions?

No. Golden Belt Bank will continue to use its own lending criteria and "hard inquiry" credit reports for making loan decisions.