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With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education, all within your consumer online banking account. You must be enrolled in Itasca Bank & Trust Co.’s online banking to use CreditSavvy.*

You can do this ANYTIME and ANYWHERE and for FREE.

*Powered by SavvyMoney.


  • Access to your Credit Score & Report
  • Real-Time Credit Monitoring Alerts
  • Personalized Credit Score Action Plan
  • Credit Score Simulator
  • Credit Score Goals
  • …And more!

The benefits are endless, so there is no need to wait.

Frequently Asked Questions 

What is CreditSavvy?

CreditSavvy 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 CreditSavvy offer Credit Monitoring as well?

Yes. CreditSavvy will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for CreditSavvy?

CreditSavvy is entirely free to Itasca Bank & Trust Co. customers. 

Will accessing CreditSavvy “ding” my credit and potentially lower my score?

CreditSavvy is a “soft inquiry” which does not affect your 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 CreditSavvy appears to be wrong or inaccurate?

CreditSavvy makes every effort 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 and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every Itasca Bank & Trust Co. CreditSavvy user can “File a Dispute” with TransUnion by clicking on the “Dispute” link within CreditSavvy. TransUnion will share this information with the other bureaus if the inaccuracy is verified.

Why do credit scores differ?

Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial Institutions use different bureaus, as well as their own scoring models. Over 200 credit factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

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