Free Credit Score Service

What Is a Credit Score and Why Does it Matter?

A type of credit rating, your credit score can affect your ability to borrow money and whether you get the best rate on things like car insurance. Knowing it can help you better take charge of your money.

Lenders use credit scores to help determine their risk in lending you money. Insurance companies also use credit scores to set insurance rates. The higher your credit score, the less risk you are to the lender. Every lender has its own standards.

How to Get Your Free Credit Score

Our members with a checking account or a loan can enroll in our free credit score service. Once enrolled, you'll receive monthly updates to your score. It’s easy to enroll online or through the mobile app.
  • In mobile banking: Go to “More,” and follow the prompts.
  • In online banking: Go to “My Money,” and follow the prompts.

What Makes Up My Credit Score?

credit score pie chart
Your credit score is calculated using information from your credit report. You may have different scores based on your reports from different credit bureaus.

Your credit score:
  • Looks at a variety of information from your credit report
  • Groups information into the five data categories shown above
  • Doesn’t consider anything not on your credit report (race, color, religion, national origin, gender, marital status, or age)
  • Doesn’t factor in salary, occupation, title, employment history, or residence

The percentages for each category above represent the impact on credit scores for the general population. You may have more or less information available in any one category, which impacts your score. 

In other words, your score is weighted differently depending on what information is available. 

How Can I Improve My Credit Score?

If your score isn’t what you hoped, focus on the areas that need improvement. A few general tips for improving your score are:
  • Pay your bills on time
  • Get current with outstanding debt
  • Pay off debt
  • Limit the amount of new and unused credit cards
  • Re-establish your credit history, if you had past issues
  • Periodically check your credit report for potential inaccuracies and unauthorized activity

Please Note: PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint Owners are not eligible.


We do not offer free credit reports. However, you can get a free copy of your credit report at every 12 months from each credit reporting company.

If your FICO® score is not displayed immediately, it is because we do not have it on record. As long as you remain enrolled, we'll include you in the next monthly update which should be completed by the date given.

FICO is a registered trademark of the Fair Isaac Corporation of the United States and may be a trademark or registered trademark of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac Corporation is not an affiliate company of PSECU.

Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.

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