Credit Reports

An important measure of your financial health.

The information in your credit report can impact nearly every financial decision you make: renting an apartment, applying for a loan, even getting hired. And with the growing frequency of identity theft-related crimes, it’s more important than ever to monitor your credit history on a regular basis.

What’s on my credit report?

The three major credit bureaus are Equifax, Experian and TransUnion. It’s not uncommon to find different information from report to report, so it’s important to monitor all three. Your credit report may include:

  • Personal data, such as current and past addresses, social security number, employment history
  • Credit history, including the number and type of accounts (both open and closed), whether they are in good standing, and the number of credit inquiries in the past 12 months
  • Account details, including account numbers, dates, balances, payment history and status of every account on your record

Remember, if you disagree with any of the information in your report, you have a right to challenge it.

How do I get a free copy of my credit report?

SavvyMoney credit score and credit report

Mill City is proud to offer your free credit report through SavvyMoney, located within Virtual Branch. This report is made available by TransUnion. Each time you log in – your credit report updates to reflect the latest information!

It’s Easy to Sign Up!

Within Virtual Branch, simply click on the SavvyMoney credit score graphic on the Overview page or go to Self Service, Credit Score to get to the SavvyMoney portal.

First time users must input some identifying information and answer some out-of-wallet questions to get signed up.

How do I monitor my other reports?

You can request one free credit report from each of the three credit reporting agencies every 12 months. Since each agency may have different information, you may want to stagger your requests during a 12-month period. A great place to obtain these free reports is through (Note: The standard, free credit report does not include your credit score.)

Get My Report

Request a free report review

As a member, you have access to a free and confidential credit report review through BALANCE. A counselor will review your report with you, making sure you have the tools you need to maintain and protect your credit standing.

Report Review

What is a credit score?

Your credit score is a three-digit number generated by a mathematical formula and based on information in your credit report to predict your creditworthiness. Credit scores are one of the primary tools a creditor uses when determining whether to lend money to you, and at what interest rate.

Mill City offers members the chance to get your credit report and your score for free and track the score each month.

Check your credit score today.

SavvyMoney credit score and credit report

It’s simple.

  • Log in to Virtual Branch and click the Credit Score graphic on the Overview page.
  • Log in to Virtual Branch, go to the Self Service tab, and click “Credit Score”.