My Credit Health

Man holding smartphone with My Credit Health featured

With My Credit Health, you’re behind the wheel of your finances. From credit scores to loans, get real-time rates and recommendations to help guide your financial decisions.

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Examples of My Credit Health on a computer, tablet, and smartphone

Take an Active Role in Your Financial Wellness Through Greater Nevada’s My Credit Health

Powered by SavvyMoney, a leader in comprehensive credit score solutions, My Credit Health is a new free feature fully integrated within Greater Nevada Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, credit score simulator, financial tips, and more. All of this without impacting your credit score, and all online.

Daily access to your TransUnion credit score
Real-time credit monitoring alerts
Credit score simulator
Credit score goal setting for personalized recommendations and tracking progress
Special credit offers
Financial wellness tips to help you Live Greater

With My Credit Health, you can compare rates on the following types of loans in real-time, before you apply:

Home loans
Personal loans
Auto loans (purchase and refinance)
Recreational loans

Thanks to My Credit Health, you can also get a real-time look into your credit. If you see something you don’t like, you can dispute it instantly. Staying on top of your credit has never been easier.

Step 1

Log into your Greater Nevada Digital Banking account through your web browser, or through the Greater Nevada Mobile app for Apple and Android smartphones and tablets.

Step 2

Select the “My Credit Health” option found in the main menu.

Step 3

Follow the prompts to allow the tool to access your credit information from Transunion. Once verified and enrolled, then you can follow these same steps to continue to access it. You will also have a new widget show in your Digital Banking home dashboard in which you can select to access too.

What is My Credit Health?

My Credit Health 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.

Does My Credit Health offer Credit Monitoring as well?

Yes. My Credit Health will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for My Credit Health?

My Credit Health is entirely free to GNCU members.

Will accessing My Credit Health “ding” my credit and potentially lower my credit score?

My Credit Health 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 My Credit Health appears to be wrong or inaccurate?

My Credit Health makes 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 AnnualCreditReport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every GNCU My Credit Health user can “File a Dispute” with Transunion by clicking on the “Dispute” link within My Credit Health. 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) are used to 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 GNCU use My Credit Health to make loan decisions?

No, GNCU uses its own lending criteria for making loan decisions.

Your Credit Score. And More.