Your Credit Score.
And More.

Anytime. Anywhere.

Credit Score powered by SavvyMoney is available to our BayCoast Bank Customers through online and mobile banking. With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.

You can do this ANYTIME and ANYWHERE. Log into mobile or online banking to use this FREE service and enroll.

It is easy to get started.

Use our online banking platform to enroll and access Credit Score. Not registered for online banking? Set up your account, here.

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Sign Up for Online Banking

For added convenience, download our mobile app to access your credit score anytime, anywhere. Download our free mobile app here:




  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers
  • And More!

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

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What is Credit Score and More?

Credit Score and More 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 and More offer Credit Monitoring as well?

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

Is there a fee for Credit Score and More?

Credit Score and More is entirely free to BayCoast Bank customers.

Will accessing Credit Score and More “ding” my credit and potentially lower my credit score?

Credit Score and More 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 and More appears to be wrong or inaccurate?

Credit Score and More make 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 and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every BayCoast Bank Credit Score and More user can “File a Dispute” with Transunion by clicking on the “Dispute” link within Credit Score and More. Transunion will share this 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 or Vantage Score) 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 BayCoast Bank use Credit Score and More to make loan decisions?

BayCoast Bank uses its own lending criteria for making loan decisions.

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