CU Online Sign In

Get Our Mobile App

Credit Score

VantageScore® credit reporting.

Enroll Today
Man sitting on his couch with a tablet device in his hands
VantageScore logos Equifax Experian TransUnion

Get a truer view of your credit health.

Monitoring your credit score is one of the most important steps you can take to manage your financial health. Wings members have a powerful tool to support their financial success: credit score reporting from VantageScore. 

Example of the VantageScore

Membership with $5 Share Savings account required.

Common Questions About Credit Scores

View All FAQs

Do I need to enroll (or re-enroll) to receive my score?

Answer: Yes. Because Wings' credit score provider changed from FICO® to VantageScore®, you will need to enroll and agree to the user terms – even if you were previously signed up for credit score reporting through Wings.


Will getting the scores through Wings affect my credit score?

No. The reports pulled for this are called “soft” inquiries. Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender.

What makes up my VantageScore?

Credit scoring models weigh many different factors, including the mix of types of accounts, the number of accounts you have and the length of time you've had them.

Why is my credit score different with VantageScore?

It's important to recognize that the various scoring models use slightly different criteria to determine your credit score. Newer models like VantageScore 4.0 are designed on the most recent timeframe and represent current consumer and lending practices. More data is incorporated to give a more complete picture of your credit standing. Also:

  • Lenders use a variety of third-party models, as well as customized models. Monitor your score, but realize that it may not be the same model or score used on a future loan application.
  • If your score declined to an extent that you think lenders will offer you poorer terms and higher rates:
    • Examine the reason codes provided with your score to understand which behaviors are causing the decline.
    • Consider using a credit monitoring tool that provides recommendations for improving your score.
    • Check your credit reports for accuracy.

If my credit score changes, will the rate on my loan(s) change?

No. A change in your credit score will not impact existing credit accounts. However, it could influence the rates you are offered on future applications for credit.

Where can I see my credit score?

First, enroll in credit score reporting. Once you have enrolled:

  • On the Wings Mobile app, tap "Credit Score" on the side menu.
  • In CU Online, select “Member Services” on the top menu and then under “Benefits,” select "Credit Score."

How to access your VantageScore:

  • Log into the Wings Mobile App or CU Online

  • Click on Credit Score in the side menu

  • Opt-in to enable your score

Enrollment is required

To begin receiving complimentary credit score reporting from VantageScore, you will need to enroll and agree to user terms – even if you were previously signed up for credit score reporting through Wings.

Enroll Today

Older woman standing in her kitchen looking at her iPad while holding her glasses in her other hand