Credit Score

Access your credit score daily through online banking!

Instant Access to your Credit Score!

On September 22, 2021, Credit Score from SavvyMoney will be available to you through our online and mobile banking. Credit Score is a free service provided by American National to help you understand your credit score and access your full report daily. Benefits of knowing your score include the ability to: 

  • Receive daily credit monitoring with alerts for major changes
  • Identify credit bureau errors
  • Understand the factors that impact your score, and
  • Work toward your financial goals!

Getting Started

To access your credit score, just log in to online or mobile banking and click the "Credit Report" link in the left navigation menu.
SavvyMoney is a comprehensive Credit Score program offered by your financial institution, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.
 As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.
SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.
No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score.  Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.
Yes. SavvyMoney Credit Report will monitor and send email alerts when there’s been a change to your credit profile.
No. SavvyMoney is entirely free and no credit card information is required to register.
SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

 No, American National uses its own lending criteria for making loan.
SavvyMoney Credit Score can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on loans with AMNB.