A comprehensive tool empowering clients to take control of their credit scores* and reports in real-time through online and mobile banking.
Take control of your financial health and access all the necessary resources to stay on top of your credit. You can do this anytime and anywhere for free.
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LoginLogin through online or mobile banking. |
LocateLocated on the left panel, click on “Credit Score & Report.” |
EnrollEnroll in SavvyMoney® to view your credit report. |
For a complete list of SavvyMoney® frequently asked questions, please visit the the SavvyMoney® FAQ.
* Please note that the score provided under this service is for educational purposes and may not be the score used by Cathay Bank to make credit decisions. Cathay Bank looks at many factors to determine your credit options; therefore, a specific FICO score does not guarantee a specific loan rate, approval of a loan, etc. Cathay Bank does not provide advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.
A credit score is a three-digit number calculated to indicate your creditworthiness. The higher the score, the more creditworthy you are to a lender.
Credit reports, also known as credit files, comprise the credit-related data a credit reporting company has gathered about consumers from different sources.
VantageScore® was founded by the three leading credit reporting agencies — Experian, Equifax, and TransUnion.
No. It's entirely Free, and no credit card information is required to register.
If you regularly access digital banking, your credit score will be updated every seven days and displayed within online or mobile banking. You can refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.
Each credit bureau has its process for correcting inaccurate information. Still, users can "File a Dispute" by clicking on the "Dispute" link within the Credit Score credit report.
No. Checking your credit score on SavvyMoney® is a “soft inquiry” and does not affect your credit score.
No, our financial institution uses our lending criteria when making final loan decisions and has no access to SavvyMoney® Credit Score.
Using Online Banking, users can enroll in SavvyMoney® by clicking on the “Credit Score & Report” option located on the left panel of the main dashboard. In Mobile Banking, users can enroll by clicking on the “Menu” button located on the lower right- hand side. Then a pop-up will appear where the “Credit Score & Report” option becomes available on the left panel then follow the prompts.
If you need help with SavvyMoney enrollment, you may call the following:
