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Credit Expert

Credit Expert¹

Monitor & Understand Your Credit Score Like an Expert!

Credit Score and Report

View and monitor your Credit Score and Report with NO impact to your score! Gain free, instant access in Founders Online and the Founders App under Credit Report/Offers. Once enrolled, you have access to:

  • Your Credit Score
  • Credit Analysis
  • Score Simulator
  • Reports
  • Special Promotions and Offers
  • Alerts
  • and More!

Credit Expert FAQs

  • Is there a fee to use Credit Expert by Savvy Money?

    There is no fee associated with the use of Credit Expert by Savvy Money. Credit Expert is a free tool provided to our membership within Founders Online.

  • Does enrolling/using Credit Expert affect my credit score?

    No. Credit Expert by Savvy Money does not result in an inquiry on your credit report.

  • Will Founders FCU use my Credit Expert by Savvy Money report/score for a loan request?

    No. Founders FCU will use the credit score rendered from TransUnion FICO model 08.

    The credit score provided within Credit Expert is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with Founders FCU loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan.

  • Why could my scores be different?

    You may see a difference in your score when you apply for a loan with Founders FCU versus what you see within Credit Expert in Founders Online. Not all credit scores are the same. Vantage Score, used by Savvy Money, and FICO score, used by Founders FCU, are two common scoring models. Financial Institutions choose which scoring models they use to make loan decisions. There are many factors of a credit report that are considered when calculating a credit score. Each credit score model may weigh factors differently, which makes no scoring models identical.

  • What if the information on my Credit Expert by Savvy Money report is inaccurate?

    Credit Expert by Savvy Money provides you with the ability to dispute inaccuracies in your credit report with TransUnion. Under Credit Score and Report, click on the Report Tab, and scroll to the bottom of the report. Select “Start a Dispute” and you will be guided through the process.

    You may also contact Savvy Money support directly under the Resources option by selecting Profile Settings and scrolling down to Contact Us.

  • How do I access my individual Credit Expert by Savvy Money report if I am joint on an account?

    Joint account holders may access their Credit Expert by Savvy Money report by utilizing individual login criteria when accessing Founders Online.

Enroll Today!

Enroll in Founders Online or the Founders App by selecting Credit Report/Offers under the main menu! Once enrolled, you will have free, instant access to Credit Expert and can begin monitoring your score like an expert!

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1 The credit score found in the credit report may be different than the credit score you see here. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.

Auto Loans

as low as

1.99
%
APR*

Mortgage Loans

as low as

2.59
%
APR*

Credit Cards

as low as

7.85
%
APR*

Certificates

as high as

1.66
%
APY*

Apply for an Auto Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

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NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Apply for a Deposit Account!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Credit Card!

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MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Credit Card.

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NON-MEMBERS: Please complete our Credit Card Application and Membership Application.

Apply for a Personal Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Loan Application and Membership Application.

Apply for a Deposit Account!

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Deposit Account.

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NON-MEMBERS: Please complete our Deposit Application and Membership Application.

Apply for a Personal Line of Credit!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Personal Loan.

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NON-MEMBERS: Please complete our Line of Credit Application and Membership Application.

Founders Locations Search

Looking for a Founders location near you? Search for any of our Founders offices, ATMs and surcharge-free ATMs below!

 

Apply for a Recreational Vehicle Loan!

Are you a member?

MEMBERS: Log in to Founders Online then select Add Accounts to apply for your Auto Loan.

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NON-MEMBERS: Please complete our Auto Loan Application and Membership Application.

Our Online Applications are currently unavailable due to a full system technology upgrade. Please check back on Monday, July 13 to start your application. Thank you for your interest in applying for a Loan or Deposit Account with Founders Federal Credit Union!

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Founders’ involvement in the community spans across many different needs. Many Founders employees are experts in financial topics and are available to speak at your events.

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Contact Us

Please do not include or request personal account information on this form. If you need assistance with personal account information, please send a secure message via the Messages tab within Founders Online, or call 1-800-845-1614.

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Website Accessibility Issues

Our goal is to ensure everyone is able to access the information on our website no matter what device or type of device you may be using. If you are utilizing assistive technology or a screen reader to view the information on our website and experienced an error, please click here to notify us of the accessibility issue.

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Financial Wellness

Relax … we have answers!

Ask your question in the fields below and we will contact you with information. Please do not send specific account information through this form.

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