What’s Lurking in Your Credit Report?
Much like exploring a haunted house, checking your credit report can feel a little intimidating at first. You never know what you might find. But facing those cobwebs head-on can protect you from bigger financial frights down the road.
Don’t Be Afraid to Look
Your credit report tells the story of how you’ve managed your credit over time, from loans and credit cards to payment history and account balances. It’s what lenders use to decide how likely you are to repay what you borrow, which makes it one of the most important parts of your financial health.
The good news? You can check your credit report for free with WyHy's SavvyMoney®.
With SavvyMoney® You Have Access To:
- Daily Access to your Credit Score
- Real-Time Credit Monitoring Alerts
- Credit Score Simulator
- Personalized Credit Report
- Special Credit Offers
- And More!
Regularly reviewing your report helps you spot errors, track your progress, and make sure no sneaky “credit ghosts” — like accounts you didn’t open or mistakes in reporting — are haunting your score.
How to Spot Errors
When you review your report, keep an eye out for:
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Accounts you don’t recognize
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Payments marked late when they weren’t
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Incorrect balances or limits
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Outdated personal information
If you see something suspicious, contact the credit bureau to dispute it. Fixing errors can give your score a healthy boost, and peace of mind knowing nothing spooky is hiding in your history.
Turn the Lights On with WyHy
Your credit score doesn’t have to be scary. At WyHy, we help members understand how their score works, what affects it, and how to improve it over time. Whether you’re building credit, rebuilding after challenges, or preparing for a big purchase, our team is here to help you shine a light on your financial future.
With WyHy and SavvyMoney®, tracking your credit score is easier than ever. It can be displayed right on your Digital Banking dashboard. By staying in touch with your credit score and monitoring updates, you put yourself in the best position to truly discover financial freedom.
Because when it comes to your credit, it’s better to know what’s lurking than to be left in the dark.