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Free Credit Score, Report, & Monitoring

RRCU-SavvyMoney

Staying on Top of Your Credit Has Never Been Easier

With one powerful tool, you can access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score.

You can do this ANYTIME and ANYWHERE for FREE.

Benefits of Credit Score

Red Rocks Credit Union helps you take control of your credit, so you can reach your financial goals faster.

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24/7 Access to Your Credit Score

Access your credit score at any time, from anywhere.
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Real-Time Monitoring Alerts

Receive email alerts when there has been a change to your credit profile.
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Personalized Credit Offers

Money saving loan offers, tailored just for you.
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Full Credit Report

Free access with no impact to your credit score.
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Credit Score Simulator

See how your financial decisions could raise or lower your credit score.
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Education and Resources

Build confidence with credit tools that keep you informed.
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Enroll Today

Get Started in Just Three Easy Steps

Take control of your financial health and access resources necessary to stay on top of your credit. 

  1. Log in to your Red Rocks Credit Union Digital Banking.
  2. Navigate to “Credit Score” and click "Show My Credit Score."
  3. Enroll and you're all set!
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Frequently Asked Questions

Find answers to the questions members ask most about credit scores, reports, and monitoring.

What is Credit Score?

Credit Score helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
Does Credit Score offer credit monitoring as well?

Yes. Credit Score will monitor and send email alerts when there has been a change to your credit profile.
Is there a fee for Credit Score?

Credit Score is entirely free to Red Rocks Credit Union members.
Will accessing Credit Score “ding” my credit and potentially lower my credit score?

Credit Score is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.
How often is the credit score updated?

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as every day for an updated credit score.
What if the information provided by Credit Score appears to be wrong or inaccurate? Credit Score makes it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every Red Rocks Credit Union member can “File a Dispute” with TransUnion by clicking on the “Dispute” link within Credit Score. TransUnion will share this with the other bureaus if necessary.
Why do credit scores differ? Three major credit-reporting bureaus (Equifax, Experian, and TransUnion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.
Will Red Rocks Credit Union honor my credit score for loan applications?

While your Credit Score may differ from the scores we get from the credit bureaus, our goal is to provide you with the best loan offer we can. If your credit score is different than the score we have, simply print out your score and let us know. We will review your information and determine if there is a better loan offer we can provide you.

As it relates to all loans, we cannot use your credit score for pricing or underwriting consideration. Red Rocks Credit Union is required to use traditional credit scoring models for loans.
I'm having a technical issue. What should I do?

All technical support is provided by SavvyMoney®. If you need assistance, you can contact their support team through any of the following methods:

Within Online Banking:

SavvyMoney's support team can help with technical issues, account access questions, and platform-related troubleshooting.

*Please note that the score provided under this service is for educational purposes and may not be the score used by Red Rocks Credit Union to make credit decisions. Red Rocks Credit Union 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.

Tailored Solutions for the
Place You Call Home 🏠

Are you ready to make a move today? Whether you're a first-time homebuyer, looking to move up, or ready to purchase that dream vacation home, we understand that your home is a significant part of who you are and how you live. At Red Rocks Credit Union, our trusted support and tailored solutions are designed to help you get the financing you need, with unparalleled service every step of the way. Let us help you create a home that enriches your life. With interest rates changing every day, call 303.471.7625 for current rates. 

Ready to begin your application?

Happy couple standing in front of their new dream home — representing home financing with Red Rocks Credit Union mortgage.

First Mortgages
with Servion: 

Through our partnership with The Servion Group, we’re proud to provide our members with a wide variety of financing options such as: 

  • Conventional Loans
  • Fixed-rate and ARM options
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Jumbo/Non-Conforming Loans

Enjoy competitive rates, low closing costs, and personalized guidance throughout the entire home-buying process. We're here to ensure your path to homeownership is smooth and stress-free.

 

APPLY NOW

Our Partnership with The Servion Group

Happy family posing on the couch together at home in the living room

*Financing available in Colorado.

Rates may vary based on credit history, value of collateral, loan to value, terms and other factors.  Payment is subject to rate and term. Details provided upon completion of loan application. 

Meet Jeremy
Mortgage Loan Specialist
NMLS - 1507899

With nearly a decade of experience in loan origination, processing, and closing, Jeremy excels as Red Rocks CU's Mortgage Loan Specialist, providing top-tier member service and clear, effective communication. His extensive background in credit unions allows him to expertly guide members through the loan process, ensuring a smooth and efficient experience. Jeremy is dedicated to making sure every member feels informed and confident, offering trusted support and tailored solutions at each step of their loan. Call 303.471.7638 to speak with Jeremy and get started on your home financing path.

EHL

 

Jeremy - Mortgage Loan Specialist at Red Rocks Credit Union

"Jeremy helped me book my HELOC and the process was so smooth! He explained everything perfectly and was so friendly and informative the entire process. Will always recommend Jeremy to all my friends and family that are in the search for a mortgage, HELOC/2nd mortgage!"

MandiMember since 2016

First Mortgage Servicer:
Midwest

You can view your statements, make mortgage payments,
check insurance and tax information and more online through Midwest.

LOGIN
REGISTER

Contact us at 303.471.7625 if you need assistance. 

First-time Home Buyer Resources

Explore helpful resources to kickstart your home-buying path and find the support you need every step of the way.

New Buyers Guide - Servion

Home Buyer’s
Guide

Download our Home Buyer's Guide by filling out the form below.

 
check list

Simple Home Buyer’s
Checklist
Mortgage vocabulary form

Key Mortgage
Vocabulary

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