<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=827015880826282&amp;ev=PageView&amp;noscript=1">
Skip to content
  • There are no suggestions because the search field is empty.

Understand Your FICO® Score

Log in to Digital Banking to view your FICO Score
Print this Page/Save as PDF

At MSCU, our goal is to help you achieve financial security. That’s why we offer Members with an MSCU credit card FREE access to their FICO® Score.

man with credit card on laptop

What’s a FICO® Score?

A FICO® Score is a three-digit number that represents your credit risk. Your score is based on your credit reports held at consumer reporting agencies.

A FICO® Score helps lenders evaluate how likely you are to repay a loan. Your score can impact the credit available to you and the terms, such as interest rate, lenders offer you.

How Are FICO® Scores Calculated?

FICO® Scores are calculated from a wide range of data in your credit report. The data is grouped into five categories: 

  • Payment History
  • Amounts Owed (Outstanding debt)
  • New Credit (requests) 
  • Length of Credit History 
  • Credit Mix 

Each category percentage reflects its importance in calculating a FICO® Score. 

FICO Score chart, 30% Amounts owed, 10% new credit, 15% Length of Credit History, 10% Credit Mix, 35% Payment History


Additional FICO® Score Information 

To learn more about FICO® Scores click on the links or watch a video below.

Understanding FICO® Scores

Frequently Asked Questions (FAQs) about FICO® Scores

Log in to Digital Banking to view your FICO Score

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. MSCU and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. MSCU 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.