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You can now see your FICO® Score—FREE in Online and Mobile Banking!

Give Me Access!

SAFE's digital banking service gives you all the tools you need to keep up with your income and expenses—and now you have a way to monitor your credit too! You can now track your quarterly FICO® Score securely within your online account. And, it won't cost you a dime.  Log into your online account to sign up today! It's easy and only takes a few seconds!

Have questions? Take a look through our most frequently asked questions below.

FICO® Score FAQs

What is a FICO® Score? 

A FICO® Score is a 3-digit number that summarizes your credit risk.  It is calculated from information on your credit report, which is provided by the credit bureau. Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed. 

 How do I get started seeing my FICO® Score in Online Banking?

The one time opt-in process to see your FICO® Score is quick and easy. Click the button below to learn how.

How to Opt-In

What is a good FICO® Score?

FICO® Scores generally range from 300 to 850.  Higher scores demonstrate lower credit risk, and lower scores demonstrate higher credit risk.  What’s considered a “good” FICO® Score varies by lender.

How will SAFE use my FICO® Score?

FICO® Scores are one of many tools to help lenders understand an individual’s credit risk.  The FICO® Scores displayed with our online banking platform will not be used to make offers of credit; this is a free service to our members to help them on their credit journey.

How often will my score be updated?

FICO® Scores are updated quarterly within our online banking platform. Program participants will receive their FICO® Score 5 based on Equifax data updated on a quarterly basis, when available*

    How can I increase my score?

    The best way to have higher FICO® Scores is to demonstrate healthy credit behaviors over time.  Here are a few tips you can follow:  

    • Pay your bills on time. Delinquent payments and collections can have a major negative impact on your FICO® Scores. If you're behind on payments, get current and stay current.
    • Avoid having payments go to collections. Paying off a collection account will not remove it from your credit report. It will stay on your report for seven years.  
    • Keep balances low on credit cards and other "revolving credit". It's okay to use your credit cards, just be careful about using a large percentage of your available credit — high utilization rates can have a major impact on your FICO® Scores.  
    • Don't close unused credit cards in an attempt to raise your scores. Your FICO® Scores consider the age of your accounts - the longer your credit history, the better.  
    • Do your rate shopping for a given loan within a short period of time. FICO® Scores distinguish between a search for a single loan and a search for a mortgage, student, or auto loan, in part by the length of time over which inquiries occur.  
    • Have credit but manage it responsibly. Ultimately, having a mixture of credit is a good thing — as long as you make your payments regularly and on time. Someone with no credit cards tends to be higher risk than someone who has managed credit cards responsibly.  
    • Checking your own credit reports and FICO® Scores will not lower your scores.
    Will viewing my score affect my credit?

    Checking your own scores will never affect your score.

    I received my score from another source and it was different than this one. Why is that?

    Between all three credit bureaus, there are multiple FICO® scores that are commonly used by lenders. The score version depends on the type of loan you’re interested in, where the lender pulls your scores, and what version they use. In addition, the FICO® Score displayed within our online banking is updated at the start of each new quarter.

    I don’t have a FICO® Score, now what?

    To even receive a FICO® Score, you have to have enough recent information in your credit report.  Generally, that means you must have at least one account that has been open for six months or longer and at least one account that has been reported to the credit bureaus within the last six months.  Essentially, you have to be actively using your credit to receive a FICO® Score.

    Where can I go if I want to learn more about FICO® Scores?

    You can click here to learn more. 


    Not Enrolled in Online Banking Yet?

    It's tools like these that make SAFE's online and mobile banking the best in digital convenience! If you haven't registered yet, you're missing out! Sign up today by clicking the button below!


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

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