My FICO® Score feature, available for free, is an easy way to monitor your credit health. Just log into Online Banking or use the Mobile App, go to the "Services" section and select My FICO® Score to view your credit score. Because it's such an important number, you should have a good understanding of what exactly your FICO®️ score is and the factors that go into determining it. Click here to watch a short video to learn more about FICO® Credit Scores. Below we also list a couple of frequently asked questions.
FICO® Credit Score FAQs
How current is the data in my FICO® Score?
The data that makes up your FICO® Credit Score can be as recent as a payment reported by your lender today. Because of this, only the most recent data available at the credit bureaus go into calculating your score.
How can retail credit cards impact my FICO® Score?
Like traditional credit cards, when used properly, retail store cards can help build good credit. How can you make a retail store credit card work for you? Ensure to make all of your payments on time, avoid over-utilizing the credit limit, and avoid carrying a balance. If you can do this, the card will have a positive impact on your FICO® Score.
®FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Spirit Financial Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Spirit Financial Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.