From influencing your interest rates to deciding if you’ll qualify for a mortgage or auto loan, your credit score is one of the most impactful numbers in your life. While an estimated 54% of Americans never check their credit scores, knowing and understanding your score is the only way to maintain or improve it. 好消息是? 好的赌博软件推荐 is here with a new tool designed to help you better understand, manage, 提高分数.

SavvyMoney is now available free of charge to all 元素 members in both online and mobile banking. 你的SavvyMoney得分, 300-850, tells lenders how likely you are to repay your bills and impacts the rates that you’re charged. 想了解更多关于你的信用评分? 探索我们的 控制你的信用 建议文章.

Our experts are here to advise you on how to utilize of some of SavvyMoney’s key features:

信用等级 & 行动项目

Your SavvyMoney score is calculated with five key factors that tell lenders the risk of lending to you:

• 付款历史
• 信贷的利用率
• 历史长度
• 调查
• 信贷类型

当你使用我们的SavvyMoney工具, you’ll see your credit score along with a letter grade rating of how well you are 执行 在这五个领域中的每一个. 展开每个部分时, SavvyMoney will give you further details and action items to help you improve your grade.

专家提示: 许多人 believe that simply checking your credit score 会使它减小. 这远非事实, as soft inquiries such as checking your score on SavvyMoney have no impact. 

回顾你的付款

Making your payments to creditors on time and every time is critical to improving or maintaining your credit score. The impact of a missed payment is typically largest on high credit scores but can lead to a significant drop no matter what your score may be.

SavvyMoney helps you monitor all of your accounts in one convenient location and see all of your on-time and missed payments. 提高你的经验, easily input your APR on each of your loans into SavvyMoney for more accurate recommendations and advice.

If you notice that you’ve missed some payments, consider these techniques to avoid more in the future:

注册自动付款: 在很多情况下, your lenders will allow you to schedule your bill to directly pull from your checking account each month.

反复出现的 日历提醒: Set up a quick monthly reminder on your phone or digital calendar to remember your due date.

使付款与薪水保持一致: Either ask your lender to move your due date near a day that you are paid or simply make early payments when you first receive your check or direct deposit.

专家提示: If you are struggling to pay all of your bills, ensure that you make payments on anything that reports to your credit first. 这将保持你的信用评分完好无损, so you’re more likely to be approved for loans in the future. 

个性化产品推荐

从信用卡到汽车贷款, SavvyMoney can assist you in finding the best rates and options for refinancing your loans to save money. Finding the best rates can lead to major cost savings. 根据TransUnion, the average consumer saved $52 a month by refinancing car loans when they wanted to reduce their payments. The top navigation bar of SavvyMoney showcases products including 信用卡, 汽车贷款, 个人贷款, and home loans and each section expands to give you further information around how changes to these products could save you money.

专家提示: If you’re curious about refinancing your loans at a lower rate, consider using 元素计算器 to quickly preview an estimate of what your new payments would be.

有用的财政资源

SavvyMoney is packed full of other useful resources including:

信用报告纠纷: As you review your report, you may notice something that doesn’t look quite right. If so, it’s fast and easy to dispute these errors with TransUnion through the link in SavvyMoney.

了解您的询问: 当你申请新的贷款时, lenders will request your credit report from the credit bureaus and this can make your score take a slight ding. Review your most recent inquiries and learn about how to be efficient when applying for new loans.

你的理财博客: Review articles that cover topics from spending to debt to fraud in the “Your Money Blog” within the SavvyMoney site.

准备好开始了? 登录你的 元素哪个赌钱app比较好 account and answer a few first-time user questions. Then, you’ll unlock the full SavvyMoney site to begin your journey to better understanding and managing your credit.

来源:列克星敦法| Credit.com | TransUnion

Learn more about SavvyMoney and credit monitoring from a previously live broadcast of 元素 Live. 点击这里观看研讨会.

This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.