My Credit Health

Powered by SavvyMoney, My Credit Health is a feature integrated within Greater Nevada Digital Banking that offers a powerful one-stop shop for managing your credit score at no cost or impact.

Over 33,795 members have increased their credit score tier or maintained their top-tier credit score since using it!¹

Not a Member Yet? Join Us Access My Credit Health

Man holding smartphone with My Credit Health featured

The Power of Credit Monitoring

When it comes to your credit, you can’t fix what you don’t know. Monitoring your credit report with My Credit Health can:

Help you catch identity theft early with real-time credit monitoring alerts so you can identify and report it quickly, keeping your report clean.
Lead you to better financial decisions and a better credit score, because what gets measured gets managed.

Compare Loans Before You Commit

Not sure what you can qualify for? My Credit Health helps you look at different loan amounts and terms so you can plan with confidence.²

Auto Loans – New purchases and refinancing purposes.
Personal Loans – New loans and debt consolidation purposes.

See Where You Stand With a Financial Checkup

This easy-to-use feature helps you optimize your budget, pay down debt, and improve your financial health. It consists of eight questions that match the eight indicators of financial well-being to give you:

Your personal financial health score.
Your debt-to-income (DTI) ratio.
Your personalized budget analysis.

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 in My Credit Health?

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.

¹ The amount is as of June 2025 and is based on active members who have been enrolled in My Credit Health for at least 6 months. Members must be at least 18 years old to use My Credit Health.

² The offer(s) shown are based upon your TransUnion credit score from SavvyMoney and are for informational purposes only. All APR’s and cost saving shown are estimates. Offers are not pre-approvals or an offer to lend to you. You must still apply with Greater Nevada Credit Union. A credit report is pulled at the time of application and Greater Nevada Credit Union uses the Experian FICO credit score to review applications and make lending decisions. Actual loan rates and terms will be determined at the time you apply for credit.

Free Credit Score Insights. And So Much More.