Learn more about FICO® Scores

Understanding your FICO® 分数可以帮助你获得并保持较高的信用分数,从而为你提供更多的财务可能性.

What is a FICO® Score?

您的信用评分根据您在任何给定时间的信用报告中的信息总结您的信用风险. 一般来说,你的分数越高,潜在贷款人面临的风险就越低. The most commonly used scores are FICO® Scores, which are created by Fair Isaac Corporation. FICO® 分数可以通过所有三个主要的报告机构- Experian, Equifax和TransUnion. 

The FICO® Score we provide is the FICO® Auto Score 8 based on Equifax data and may be viewed online anytime. While your FICO® 分数将总是在网上可用,它只从Equifax检索和每月更新. This score ranges from 250 to 900. The higher the score, the better the score.

Higher FICO® 分数是健康信用行为的结果,也是获得和保持较高FICO的最佳方式® 分数是在一段时间内证明良好的财务决策.

Find your credit score value

What makes up my score?

FICO® 分数是从你的信用报告中许多不同的信用数据块计算出来的. 这些数据被分成五个类别,如下所示. 图表中的百分比反映了每个类别在决定FICO的重要性® Scores are calculated.

  1. Payment history (35% of your scores):

    Whether you've paid credit accounts on time 

  2. Amounts owed & utilization (30% of your scores):

    贷款余额和信用的利用与你有多少可用的比较

  3. Length of credit history (15% of your scores):

    How long your accounts have been open

  4. New credit (10% of your scores):

    Frequency of credit inquires and new account openings

  5. Credit mix (10% of your scores):

    The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans

Understanding what makes your credit score

What can I do to improve my score?

  • Pay your bills on time. 

  • Avoid having payments go to collections. 

  • 保持信用卡和其他“循环信贷”的低余额. (the lower the better)

  • 不要为了提高分数而关闭未使用的信用卡.

  • 利率商店为给定的贷款在短时间内,以避免多重查询您的报告.

  • Have credit but manage it responsibly. 

  • Checking your own credit reports and FICO® Score will not lower your scores.

Frequently Asked Questions (FAQs)

How often will I receive my FICO® Score?
Program participants will receive their updated FICO® 自动评分8基于Equifax数据每月,当可用时.

Will receiving my FICO® Score impact my credit?
No. The FICO® Score we provide to you will not impact your credit.

Why is my FICO® Score not available?
There are a few possible reasons that your FICO® Score may not be available at this time. These reasons can include:

  • You are a new member of FCU. 可能需要一个月或两个月的时间,您的分数才可以作为线上澳博每月分数刷新过程的一部分
  • You have not yet opted in to this free benefit
  • 你没有足够的信用(贷款)历史来获得一个分数
  • 您的分数在线上澳博每月的分数刷新过程中暂时不可用
  • You opted out of this benefit

Where does the information used to calculate my FICO® Score come from?
A FICO® 分数是基于计算分数时特定消费者报告机构(CRA)的信用文件中的信用信息. 你的信用档案中的信息是由贷方、讨债机构和法庭记录提供的.  Not all lenders report to all three major CRAs. The FICO® 线上澳博提供给您的分数是基于您的Equifax报告中显示的“拉出日期”的数据.

What are Key Score Factors?
When a lender receives a FICO® Score, "key score factors" are also delivered, 哪些因素解释了影响评分的信用报告信息中最重要的因素. The order in which FICO® Score factors are listed is important. 第一个表示对该FICO影响最大的地区® Score and the second is the next significant area. 了解这些得分因素可以帮助你更好地了解自己的财务健康状况. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, 没有那么显著,因为它们代表了你的分数受到影响的边缘区域.

Why is my FICO® Score different than other scores I’ve seen?
有许多不同的信用评分可供消费者和贷款人使用. FICO® Scores are the credit scores used by most lenders, 不同的贷款人可以使用不同版本的FICO® Scores.  In addition, FICO® 分数是基于来自特定消费者报告机构的信用文件数据, 所以信用文件的差异可能会导致FICO的差异® Scores. The FICO® 基于Equifax数据的8分是FCU用来管理你的账户的具体分数. When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score.

Why do FICO® Scores fluctuate/change?
There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, 考虑到您的信用文件中来自特定的消费者报告机构(CRA)的信息. 所以,当你的信用档案中的信息在CRA改变时,FICO® Scores can also change.  Review your key score factors, 这就解释了你的信用报告中哪些因素对评分影响最大. 比较两个不同时期的关键得分因素可以帮助确定FICO变化的原因® Score. 请记住,某些事件,如延迟付款或破产会降低FICO® Scores quickly.

How do I check my credit report?
Because your FICO® 分数是基于你的信用报告中的信息, 重要的是要确保信用报告信息的准确性. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit: http://www.annualcreditreport.com. 请注意,您的免费信用报告将不包括FICO® Score.

Why are you providing FICO® Scores?
Reviewing your FICO® 分数可以帮助你了解贷款人如何看待你的信用风险,让你更好地了解自己的财务状况.

More Questions

作为信用社的成员,你有权免费接受信用报告分析. 打电话或到你当地的分行来享受这项免费服务. 这些工具对你来说都是可用的,这取决于你是否积极主动地对待你的信用评分!

For additional information, review FICO® Score FAQs and Understanding FICO® Scores.

Disclosure

FICO是Fair Isaac Corporation在美国和其他国家的注册商标. 佛罗里达信用联盟和公平艾萨克不是根据联邦或州法律定义的信用修复组织, including the Credit Repair Organizations Act. 佛罗里达信用联盟和公平艾萨克不提供“信用修复”服务或建议或援助关于“重建”或“改善”您的信用记录, credit history or credit rating. 

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