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Savvy Credit

Take the mystery out of your credit score.

Savvy credit enables you to check your credit score in real time. Additionally, you’ll receive a personalized analysis of your score along with clear explanations of key determining factors.

Monitoring your credit score - big banking words. Let's uncomplicate them. 

Monitoring your credit score - big banking words. Let's uncomplicate them. 

View your score directly in the Avidia Bank mobile app. Get tips and qualifying offers. Take control of your credit. Plain and simple.
Get the App Here

Questions? We've got answers.

  • Your credit score is an indicator of your financial responsibility. It can tell anyone who is going to lend you money how likely you are to pay back the loan.
  • You are more likely to get approved for a loan if your credit score is high. Monitoring your credit score can help you improve it so you can get approved for loans you need.
  • Signing up for a credit monitoring service like Savvy Credit can also help you create alerts should something change on your file. This helps lessen the harm from Identity Theft.


  • You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from
  • To dispute an error on your credit report, contact both the credit reporting company and the company that provided the information.
  • If you have been the victim of fraud, contact the nationwide credit reporting companies, you can place a fraud alert or security freeze on your credit report. You can also request that they block or remove fraudulent debts.
  • Visit the Consumer Financial Protection Bureau for more information on any credit score or report topic.

You have the right to a free credit report from or 877-322-8228, the only authorized source under federal law. Take me to the authorized source.