FICO® Score

Knowing your credit score helps you make smart choices with your money. Have a high score? Keep up the good work! Is your score not quite where you want it to be? You can take specific steps that may improve it.

How To Get Your FICO® Score

Although there are several credit score services, our members have access to their FICO credit score. Once enrolled, you'll receive monthly updates to your score. In mobile banking, go to "More." In desktop, go to "My Money."

What's in Your FICO® Score?

Your FICO score considers a lot of information from your credit report, grouped into the five data categories shown below. FICO does not consider race, color, religion, national origin, gender and marital status, age, salary, occupation, title, employment history or residence.

Keep in mind that the percentages for each category below represent the impact on credit scores for the general population, but the mix of information available for each of these categories can also impact your score. This mix and the impact on determining your score may vary over time for each person and can also be different from one person to the next.

Five Components Of A Credit Score

Payment History (35%)

  • Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgages, etc.)
  • Presence of adverse public records (bankruptcy, judgments, lawsuits, liens, wage garnishments, etc.), collection items, and/or delinquency
  • Number of past due accounts and number of accounts showing no late payments
    • How long past due delinquent payments are
    • Amount past due on delinquent accounts or collection items
    • How recently past due items, adverse public records, or collection items occurred

Amount Owed (30%)

  • Number of accounts with balances and amount owed on each
  • Amount owed on specific types of accounts
  • Credit utilization ratio on revolving accounts
  • How much of the total credit line available is being used
  • How much of an installment loan's original balance is still owed

Length of Credit History (15%)

  • Time since accounts were opened
  • Time since specific types of accounts were opened
  • How recently an account was used

Credit Mix (10%)

  • Which types of credit are used: credit cards, retail accounts, installment loans, mortgages, consumer finance accounts, etc.
  • How many accounts are currently open or were open in the past

New Credit (10%)

  • Number of recently opened accounts, and proportion of accounts that were recently opened, by type of account
  • Number of recent credit inquiries
  • Time since recent account opening(s), by type of account
  • Time since credit inquiry(s)
  • Re-establishment of positive credit history following past payment problems
Five Components of a Credit Score. Payment History (35%). Amount Owed (30%). Length of Credit History (15%). Credit Mix (10%). New Credit (10%)

How Can You Improve Your FICO Score?

  • 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

For detailed information about FICO, visit

Please Note: FICO and Fair Isaac® are registered trademarks of the Fair Isaac Corporation in the United States, and may be trademarks or registered trademarks of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac 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.