FERNDALE, N.Y. (1/28/10)--Syphr has developed a new credit report and loan savings website, MoreThanACreditReport.com, which is affiliated with SaveOnYourLoans.com. The site offers consumers credit scores, credit reports and credit monitoring. Consumers also can use RateMatch--a loan analysis report--which shows consumers where they can save money on their auto or home loans with a credit union or local community bank. The average savings per month per user is $239. Syphr is a technology and marketing credit union service organization located in Ferndale, N.Y.