Credit Monitoring by SavvyMoney

We are excited to feature loan offers to bring a tailored approach to your lifestyle needs!

 

To access your loan offers in SavvyMoney:

• Log into your online or mobile bank account. 
• Open SavvyMoney by clicking on the Credit Score widget (if using desktop), or by clicking "More" in the menu along the bottom of your phone screen (if using the BancFirst mobile app) and selecting the "Credit Monitoring" circle in the top of your mobile screen.
• When you're logged into SavvyMoney, you can access loan offers by either:
  1. Navigating to the menu along the top of your desktop or mobile screen and clicking on "Loans & Offers" if using desktop computer, or "Offers" if using the BancFirst mobile app.
  2. Clicking on rotating banner labeled "Recommended for You". The rotating banner is located to the right of your credit score if using a desktop computer or below your credit score if using the BancFirst mobile app.

   

SavvyMoney is a comprehensive Credit Monitoring program offered by BancFirst to current customers that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that affect the score, and can see the most recent offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how BancFirst can help save you money.

SavvyMoney's Credit Report provides users with all the information they would find on a credit file including a list of current or previous loans and accounts and credit inquiries. Customers can see details on their payment history, credit utilization, and the public records that show up on their accounts.There is no impact to customers' credit scores when they check their credit report.

No. SavvyMoney is entirely free to BancFirst customers, and no credit card information is required to register.

Every 7 days scores are updated and displayed in digital banking. BancFirst customers can also refresh their score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.

No, BancFirst uses their lending criteria when making final loan decisions and has no access to SavvyMoney Credit Score. 

BancFirst does not have access to customers’ credit files with SavvyMoney unless customers choose to share them. If you would like to share, you can easily do so by navigating to the Credit Report tab and clicking “Download Report” to share at your discretion.

SavvyMoney has implemented bank-level encryption and security policies to keep users' data safe and secure. SavvyMoney also has a sophisticated system that scans for, and thwarts online bots, intrusions, and attacks. SavvyMoney’s policies and processes are reviewed annually by a third-party auditor and have been verified by multiple digital banking platforms' Security and Compliance teams to meet their stringent security guidelines to keep both users' and financial partners' data safe and secure.

Credit Monitoring by SavvyMoney can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home or 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 your new and existing loans with BancFirst.

Credit Monitoring by SavvyMoney makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, you can “File a Dispute” by clicking on the “Dispute” link within the SavvyMoney Credit Report. BancFirst also encourages you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and pursuing disputes with each bureau individually as each bureau has its own process for correcting inaccurate information. The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

You might receive BancFirst offers on products that could be of interest to you. In most cases, these offers might have lower interest rates than the products you already have. The educational articles, written by the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

No. Credit Monitoring by SavvyMoney 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.

We encourage you to reach out to BancFirst directly to change your contact information. Any changes to contact information made with the bank will be reflected in the Credit Monitoring by SavvyMoney program.