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Credit Score

VantageScore® credit reporting.
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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

Common Questions About Credit Scores

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What is a credit score?

A credit score is a number that summarizes your credit risk, based on your credit data. A credit score helps lenders evaluate your credit profile and influences the credit that’s available to you, including loan and credit card approvals, interest rates, credit limits and more.

What is in a credit report?

Although each consumer reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information: Identifying Information, Credit Accounts, Credit Inquiries, and Bankruptcies and Collections.

What goes into credit scores?

Credit scores are calculated from the credit data in your credit report. This data is grouped into five Categories:

  • Payment History
  • The Amounts You Owe
  • Length of Credit History
  • New Credit
  • Types of Credit in Use

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.

Why did Wings change to VantageScore?

VantageScore is one of the leading credit scoring models, and VantageScore 4.0 is a highly predictive model of an individual's credit behavior. It offers these benefits:

  • VantageScore has the full backing and support of all three national credit reporting bureaus: Experian, Equifax and TransUnion.
  • It's more predictive than other models. VantageScore includes trended data, which provides a more holistic view of your creditworthiness, instead of relying on one monthly snapshot in time.
  • VantageScore uses advanced algorithms that allow accurate scoring of individuals with dormant credit histories, allowing more consumers to be scored and gain access to credit.
  • The new VantageScore 4.0 model was developed to be more relevant to how consumers are using credit today.
  • In use for more than 13 years, VantageScore is trusted by thousands of lenders and 9 of the top 10 largest financial institutions.

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."

Why might this credit score differ from a score I see on a loan application?

It all comes down to when the report is pulled. If your member report and loan application are pulled on the same day, they should show the same number. But keep in mind, credit scores can change more than once per month, so the odds are low that they will be identical. Your member report should provide a general idea of where you stand.

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

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