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Introducing Free Credit Reports!


New Product: SavvyMoney Credit Report Available in Virtual Branch

We’re thrilled to now provide free credit reports to members – right within Virtual Branch! SavvyMoney has helped us provide credit scores in Virtual Branch since August 2016. Now they’ve made full credit reports available too!

Starting June 29, 2017, your credit score and your full credit report are available within Virtual Branch.

Reviewing your detailed credit report regularly can help you make better financial decisions and detect early signs of potential identity theft. Your SavvyMoney credit report provides a detailed view of your credit history, account detail, payment history, bankruptcies and other potentially derogatory items.

How to get your score

Log in to Virtual Branch and click the Credit Score graphic to sign up, or as a returning user.

SavvyMoney credit score

screenshot of where to find your credit report in the SavvyMoney portal

Credit Report Summary

Your name, address and employment information are used to identify you and can be found in this section. This information has been collected by the credit bureau from your lenders and other public resources. Also, in this area you will see an overview of the number accounts you have and their current status.

your credit report summary


These are your credit accounts. Lenders report on each account you have established with them and details of the type of account (credit card, auto loan, mortgage, etc), open date, your credit limit or loan amount, the account status and balance, utilization percentage or percentage paid off and your payment history.

your credit report accounts

Recent Inquiries

An inquiry is recorded whenever your credit report is “pulled” by another party, such as a financial institution, lender, credit card company, service provider, landlord, or insurer. Credit inquiries remain on your credit report for up to 2 years, and each can temporarily result in a slight dip in your overall credit standing.

your credit report recent inquiries

Public Records

Credit bureaus collect public record information from state and county courts, and information on overdue debt from collection agencies. Public records include bankruptcies, foreclosures, suits, wage attachments, liens and judgments which all can be found in this section. These items may have a negative impact on your credit if not handled appropriately.

your credit report public records

What if I see something that’s inaccurate?

If you find any inaccuracies in your report, it is fast and easy to dispute them with TransUnion by clicking on the “Dispute Report” button inside the SavvyMoney Credit Report.

More information about credit reports

Mill City has a Credit Reports page that gives even more information about credit reports!

Credit Reports