Credit Score

Check your Credit Score, view your Credit Report, and get up-to-date credit monitoring notifications with our digital banking feature, Credit Score!

Take Control of Your Finances with Credit Score!

Credit Score offers Interior Federal members a range of benefits to enhance their financial well-being. With comprehensive financial insights and a clear view of their accounts, members can make informed decisions and gain greater control over their finances.

Common Sense Tools for Managing Your Credit

Credit Score provides a holistic view of your credit score, allowing you to gain a clear understanding of managing your credit. Credit score events help you visualize the relationship of your credit score with payment history, usage, or opening & closing of accounts. Use the credit score simulator to see the potential impact of opening new accounts or paying off balances. This interactive tool will simulate your credit scores before you actually take any actions.

Try out the simulator to see what might happen if:

    • Pay off a credit card
    • Take out a new loan
    • Miss a payment

Login to Digital Banking to get started!

Prevent Fraud & Identity Theft

Credit Score monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, if a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining a free credit report from Annual Credit, and then pursuing each bureau individually. Each bureau has its own process for correcting inaccurate information, but every user can “File a Dispute” by clicking he “Dispute” link within their SavvyMoney Credit Report.

However, The Consumer Financial Protection Bureau website offers step-by-step instructions on how to contact the bureaus and correct errors.

Features & Benefits:

  • Check your credit score daily
  • Monitor credit for unusual activity
  • Get alerts for changes to your credit
  • View your full credit report
  • Visualize what affects your credit score
  • Simulate how future actions may impact your score
  • Dispute items on your credit report
  • Get tips on rebuilding credit and saving money
  • Enhance your financial wellbeing

I got an email alerting me that I had applied for credit. I logged into online banking and checked the alerts. The alert said that I had applied for a credit card at Capital One on Sunday. I had not applied for a credit card. In the FAQ it told me how to contact the three credit bureaus. I went to each one, set up an account and put a fraud alert on my credit. I am now working on getting the inquiry removed.

Without this service, I would not have known that someone had stole enough of my identity to apply for credit.

Interior Federal Member

Interior Federal staff works hard to provide an exceptional digital banking experience, helping you explore more and worry less!


SavvyMoney Credit Score also known as “Credit Score”, is available to you through online and mobile banking. Credit Score is a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, simulate and learn ways to improve your score and see ways you can save money on new and existing loans with us.

What is the Credit Report Feature include?

Credit Report provides you all the information you would find on your credit file including a list of current or previous loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public
records that show up on your account. Like Credit Score, when you check your credit report, there will be no impact to your score.

What is the Score Simulator tool?

The Score Simulator is an interactive tool that allows you to select various actions you may take and see how your score could be affected. Different actions, like paying off a credit card balance might make your score move up or down. Just like checking your score through Credit Score, using the simulator does not affect your actual score.

Is there a fee?

No. Credit Score is entirely free, and no credit card information is required to register.

How often is my Credit Score updated?

As long as you regularly access digital banking, your credit score will be updated every 7-days and displayed within your online banking screen. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh
Score” by navigating to the detailed Credit Score Dashboard from within digital banking.

Will Interior Federal use this score to make loan decisions?

No, Interior Federal uses its own lending criteria when making final loan decisions. However, the Credit Score tool can show you estimated savings opportunities on new and existing loans. Final rate, term, monthly payment, and other factors will be determined at the time of application.

How does Credit Score keep my financial information secure?

Credit Score uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

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Need help activating Credit Score? Follow the step-by-step instructions listed in our blog!

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