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Frequently Asked Questions

Find answers to common questions about SavvyMoney integration, implementation, and troubleshooting.

General Questions​

What is SavvyMoney?​

SavvyMoney is a leading provider of credit score solutions for financial institutions. We enable banks, credit unions, and fintechs to offer their customers free credit score access, credit monitoring, and personalized financial offers.

What credit bureaus does SavvyMoney use?​

SavvyMoney primarily partners with Equifax and TransUnion for credit data. The specific bureau used depends on your partnership agreement. Contact your SavvyMoney representative for details about your configuration.

How often is credit data updated?​

Credit scores are typically refreshed on a monthly basis for active users. Some integrations support on-demand pulls for real-time scoring. Check your partnership agreement for specific refresh schedules.

Integration Questions​

Which integration method should I choose?​

Your SituationRecommended Method
Want fastest time-to-marketIframe Embed
Need custom UI/brandingAPI Integration
Building mobile appMobile SDK
Limited development resourcesIframe Embed

Can I customize the look and feel?​

Iframe Integration: Limited customization through URL parameters (colors, fonts, display options).

API Integration: Full customization - you control the entire UI and user experience.

Mobile SDK: Moderate customization with theme configuration options.

How long does integration typically take?​

  • Iframe: 1-2 weeks
  • API Integration: 4-8 weeks
  • Mobile SDK: 4-6 weeks

Timelines depend on your team's capacity and the complexity of your requirements.

Technical Questions​

What authentication method do you use?​

SavvyMoney uses OAuth 2.0 with client credentials for server-to-server authentication. User-specific operations require a user token obtained through your enrollment process. See Authentication for details.

What are the API rate limits?​

Endpoint TypeRate Limit
Authentication100 requests/minute
User Operations1000 requests/minute
Batch Operations50 requests/minute

Contact support if you need higher limits for your use case.

Do you support webhooks?​

Yes! SavvyMoney supports webhooks for:

  • Credit score updates
  • Alert notifications
  • Enrollment status changes
  • Offer updates

See Webhooks for setup instructions.

What's the API response time?​

Typical response times:

  • Authentication: < 200ms
  • Score retrieval: < 500ms
  • Credit report details: < 1 second
  • Offer calculations: < 2 seconds

Security Questions​

Is the data encrypted?​

Yes. All data is encrypted:

  • In transit: TLS 1.2+ for all API communications
  • At rest: AES-256 encryption for stored data

Are you SOC 2 compliant?​

Yes, SavvyMoney maintains SOC 2 Type II certification. Contact your representative for our latest audit report.

How do you handle PII?​

We follow strict data handling practices compliant with:

  • GLBA (Gramm-Leach-Bliley Act)
  • FCRA (Fair Credit Reporting Act)
  • State privacy laws (CCPA, etc.)

See Security Best Practices for implementation guidance.

Can users delete their data?​

Yes. Users can request data deletion through your platform. Use the User Deletion API endpoint to process these requests. Data is permanently removed within 30 days of the request.

Troubleshooting​

Why am I getting a 401 Unauthorized error?​

Common causes:

  1. Expired token - Tokens expire after 1 hour; refresh before expiration
  2. Wrong credentials - Verify you're using the correct Client ID/Secret
  3. Environment mismatch - Ensure sandbox credentials aren't used in production
# Verify your credentials
curl -X POST https://api.sandbox.savvymoney.com/oauth/token \
  -H "Content-Type: application/x-www-form-urlencoded" \
  -d "grant_type=client_credentials&client_id=YOUR_ID&client_secret=YOUR_SECRET"

The iframe isn't loading. What should I check?​

  1. Check the console for JavaScript errors
  2. Verify the URL parameters are correct
  3. Check CSP headers - ensure *.savvymoney.com is allowed
  4. Test in incognito to rule out browser extensions

Credit score isn't showing for a user​

  1. Verify enrollment - User must be enrolled before score access
  2. Check identity verification - Ensure user passed identity questions
  3. Review user status - Check for frozen credit or thin file

Billing Questions​

How is pricing structured?​

SavvyMoney pricing is typically based on:

  • Monthly active users (MAU)
  • Feature set selected
  • Volume tiers

Contact your SavvyMoney representative for specific pricing details.

What counts as an "active user"?​

An active user is any enrolled user who:

  • Views their credit score
  • Accesses the SavvyMoney widget
  • Has their score pulled (programmatic access)

Still Have Questions?​

If you couldn't find the answer you're looking for:

  1. Search the docs - Use the search bar at the top
  2. Contact support - Email [email protected]
  3. Talk to your rep - Reach out to your SavvyMoney integration specialist

We're here to help you succeed with your integration!

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