Ardent branches are closed Monday, February 23 due to inclement weather. Our Contact Center is open normal hours and available to assist you by phone or chat.
Summer Credit Challenge
Raise your score. Boost your chances. Win up to $1,000.
The 2025 Credit Challenge has ended.
Thank you to all our participants. See all the prize winners below.
This summer, improving your credit score could help you win up to $1,000. With CreditSavvy our free credit health tool in eBanking, you can track your progress and enter to win cash prizes while you’re at it.
Here’s how the Summer Credit Challenge* works:
From Memorial Day (May 26, 2025) through Labor Day (September 1, 2025):
- By May 26, use the CreditSavvy Goals tool to set a credit score goal that’s at least 5 points higher than your current score.
- Members who raise their score the most during each month (June, July and August) will win $100.
- For every 5-point jump in your score by Labor Day, you’ll earn one entry into the Grand Prize drawing of $1,000. There’s no limit to how many entries you can rack up.
- During the Challenge, monitor and improve your score with help from CreditSavvy.
Not using eBanking yet? Enroll here for free.
About CreditSavvy
- Free, secure credit tool available to all Ardent members
- Available 24/7 in eBanking—no additional registration required.
- Check your credit score—refreshed daily
- Helps you set goals, track progress, and learn what impacts your score
- Get real-time alerts and personalized loan offers
Ready to take the challenge?
Log into eBanking, navigate to CreditSavvy and set your goal by May 26, 2025.
Prizes
$1,000 Grand Prize
Ziane of Philadelphia
$100 Monthly Prize
Three winners - one for each month of June, July and August - for the biggest score boost
- June: Chris D. of Collegeville
- July: Jacen S. of Lafayette Hill
- August: Nicole N. of Brentwood, CA
*For more details, see the official rules and regulations for the $1,000 Sweepstakes and Monthly Contest.
Frequently Asked Questions
CreditSavvy, powered by SavvyMoney®, is a free tool in eBanking that allows you to securely check your credit score daily, set up credit alerts, review your credit report, receive credit offers and access tips to boost your credit health. Learn more about CreditSavvy here.
Improving your credit score can take some time because it is all about building good habits. Start with these small steps that, when practiced consistently, can lead to a higher score:
- Pay your bills on time, every time. Payment history is the biggest factor that goes into your score
- Keep your credit card balances low to avoid using up too much of your credit limit
- Avoid opening too many new accounts—hard inquiries can ding your score
- Keep older accounts open to grow your credit history
- Check your credit reports for errors and report them to get them removed
Yes. All Ardent members are eligible to participate, provided they create a credit score goal with CreditSavvy by the end of May 26, 2025.