With your FICO® Score available within CU Online and on the Wings Mobile app, you’re able to view your FICO® Score updated quarterly and learn what factors most affect your score.
A credit score is a number summarizing 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.
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.
FICO® Scores are calculated from the credit data in your credit report. This data is grouped into five Categories:
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.
FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.