FICO Score

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To use our FICO service, you must be a member of PSECU.


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Your FICO ® score helps a lender make accurate, reliable and fast credit risk decisions across the customer lifecycle. It gives lenders a fast, objective measurement of your credit risk and whether or not they should approve you for a loan.

What is in Your FICO Score?

FICO Score - The Score that Matters. The FICO Score is the standard credit score in the US, used in more than 90% of lending decisions.Your FICO score is calculated from a variety of credit data from your credit report. This data is grouped into five categories:

  • Payment history (35%)
  • Amount owed (30%)
  • Length of credit history (15%)
  • New credit (10%)
  • Types of credit used (10%)

Although your FICO score considers a wide range from your credit report, it does not consider race, color, religion, national origin, sex and marital status, age, salary, occupation, title, employment history, residence, etc.

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
  • Shop around for the best loan rate
  • Re-establish your credit history, if you had past issues
  • Periodically check your credit report for potential inaccuracies and unauthorized activity

Our free FICO Score Service is the easy way to monitor your credit health. You'll also receive tips to help you better understand it, including the factors that affect your score. To sign up, go to the "My Money" section in online banking.

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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.