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Keep score of your finances

How financially responsible are you? That's what a credit score attempts to measure. With Great Erie's free Credit Sense service, you can easily access your full credit report, gain insight into what factors are affecting your rating, access credit monitoring and money-saving opportunities, and get solid ideas on how to raise your all-important score - all at no cost.

Free Credit Score & Report

  • See your credit score anytime, 24/7, for free
  • Access your full credit report & receive monthly updates

Safe Keeping

  • Receive an immediate alert when there is a change, so you can protect your credit and identity

Financial Health

Learn what factors influence your score and how to improve your score. Receive insight, advice, and information from financial expert JeanChatzky@Savvymoney.

Tips to get you started:

  • Payment History: Pay your bills on time.
  • Credit Usage: Don’t keep a high balance on credit cards. Also don’t open new cards just to increase your available limit.
  • Total Balances: Keep a diverse mix of debt accounts. A mix of installment and revolving accounts is better than having only one type of debt.
  • Credit Age: Don’t open too many accounts too quickly. Keep your oldest account open, if you can. Also don’t close unused cards.
  • Recent Credit: Don't open too many accounts in a short span.

By staying in touch with your score, report and monitoring updates, you put yourself in the best position to truly discover financial freedom.

Learn more about Credit Sense through this video tutorial and click-thru demo.

Interactive Video Player

You can visit and request a free credit report from each of the three major credit reporting agencies. (Transunion, Experian and Equifax).

Enrolling to access your credit score is fast and easy. In your Online Banking portal simply click on the “Check your Score” button on the My Credit Score icon found in Mobile and Online Banking, answer a few questions to verify your identity, read and accept a Disclosure and you’re all set.

Your credit profile is pulled from TransUnion. Transunion is 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.

No. There is no fee to access your credit score in Mobile or Online Banking.

No. Accessing your credit score is a “soft inquiry”, which does not affect your credit. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

SavvyMoney is a company that provides comprehensive credit score analysis, full credit report, and monitoring. It is not affiliated with or a part of Great Erie FCU.

We are providing your credit score as an additional member benefit for educational purposes and to assist with your financial health. Your credit score will be available to you through Mobile and Online Banking as a free service offered to help you understand your current credit score, give access to your full credit report, provide credit monitoring alerts, and show you how you can improve it.

Great Erie does not calculate your FICO score, we are displaying a score that is calculated by the credit bureau indicated.

No. The credit score you see in Mobile and Online Banking is for educational purposes only. We use a different lending criteria for making loan decisions.

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 the “Dispute Report” button within their Credit Sense Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

As long as you are a regular Online Banking user, your credit score will be updated every month and displayed in your Mobile and Online Banking portal. You can click “refresh score” as frequently as once a day to obtain a refreshed score.

Great Erie Federal Credit Union is a full-service credit union serving the Buffalo and Erie County area including Hamburg, West Seneca, Orchard Park and East Aurora, New York.

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