What is the Credit Score Tool?

Written by:

Baylor Cox

Reviewed by:

• Bradley White

The Credit Score Tool is a free credit score and financial wellness tool offered through WeStreet. This tool is brought to you by SavvyMoney®. Use it to check your credit score, see your full credit report, and get personalized financial tips; all without impacting your credit score. Checking your credit score through the credit score tool is considered a ‘soft inquiry’ which does not affect your credit score like obtaining a ‘hard inquiry’ through a lender does.

The credit score tool uses your TransUnion credit profile and the VantageScore 3.0 credit model to calculate your credit score. The VantageScore 3.0 credit model was developed collaboratively by the three credit reporting bureaus to create a more uniform score between the three credit bureaus. To learn more about your credit score and the three credit bureaus read our ‘What is a Credit Score?‘ article.

Not Just Credit Reports

On top of providing you easy access to your credit score, the credit score tool also provides you with free daily credit monitoring, alerting you by email of any major changes to your credit to help you protect yourself from identity theft.

Additionally, the credit score tool provides you with financial literacy tools and information as well as individualized tips on how you can improve your credit!

How do I Access the Credit Score Tool?

To learn how to get started with the credit score tool read our ‘How to Access Your Credit Score Tool Profile‘ article.