Skip to main content Download Acrobat Reader 5.0 or higher to view PDF files.
Century Bank
Online Banking Login
Available when representatives are online.
Credit Score Subpage Hero | Person checking their credit score from our mobile app

My Credit Score

Understand and improve your credit

Your credit score is more than just a three-digit number, it’s used for everything from helping to determine loan interest rates to insurance premiums and even by landlords to help decide if they should rent to you. It’s critical you know your credit score and that is why Century Bank in partnership with SavvyMoney is making the information available for FREE.

My Credit Score advantages

Through My Credit Score, you’ll be alerted if there are any big changes detected to your credit report, such as a new account opening, changes in address or employment, a late payment or an inquiry made. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Every time you log into My Credit Score you can:

  • Access your credit score and download your credit report
  • Receive alerts to changes in your credit report
  • Learn what factors impact your credit score
  • Quickly discover fraudulent activity
  • Read articles offering financial advice

Getting started with My Credit Score

Whether you are using your desktop or mobile device, you can easily access My Credit Score. Simply log in and click “Credit Score” from the main menu. To see your credit score, agree to the terms and conditions set by SavvyMoney and you’re good to go!


Q: Is there a fee?
A. No. My Credit Score is entirely free for Century Bank customers.
Q: How often is my credit score updated?
A. As long as you are a regular Online Banking user, your credit score will be updated every month.
Q: How does SavvyMoney determine my credit score?
A: 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.
Q: Why do credit scores differ?
A: There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. 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.
Q: Will Century Bank use SavvyMoney Credit Score to make loan decisions?
A: No, Century Bank uses its own lending criteria for making loan decisions.
Q: Is this service secure?
A: 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.
Q: What if the information provided by SavvyMoney Credit Score appears to be inaccurate?
A: The SavvyMoney Credit Score 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, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information, but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.
Q: Do I get penalized for checking my credit score?
A: No. Checking your credit score through our tool does not negatively impact your credit score. Our tool uses a soft inquiry, only hard inquiries negatively impact your score.