SavvyMoney is an American corporation based in Pleasanton, CA that pulls your credit profile from TransUnion, 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. CU SoCal has partnered with SavvyMoney to bring our Members Credit Score and More at no cost.