Credit Score

How Is My Credit Score Calculated?

Your FICO^® Score is calculated based on five factors: payment history, amount owed, length of credit history, new credit, and credit mix.. CCCU makes it easy to stay informed.

Happy woman on computer checking her FICO credit score.

Easy Access

You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion®

Peace of Mind

Keeping an eye on your FICO^® Score and credit report keeps you in control of potential errors and mistakes.

Positive Impact

Unlike pulling credit for a loan application, viewing your score will not impact your credit negatively.

It's Free

Viewing your FICO^® Score online is free.

What is a good credit score?

If you are curious about credit scores and what qualifies as good credit versus bad credit, you are not alone! Credit score has a big impact on your life, from whether or not you are approved for loans or mortgages to the rate and terms you receive. Poor credit scores can also impact getting approved for a rental agreement, electricity, cell service, credit cards, and so much more.

Credit scores typically range anywhere from 300 to 850. While different lenders can have different criteria when it comes to approvals and rates, here is a guideline to help you find out what is a good credit score:

Excellent credit score: 800+
Very good credit score: 740 - 799
Good credit score: 670 - 739
Fair credit score: 580 - 669
Poor credit score: Under 580

Man smiling on bridge in Portland Oregon.

What our members are saying:

“What I liked about CCCU was that they helped me get my first credit card without withholding our money.”

Albano R.

“My credit score was dinged due to a fraudulent unpaid cable bill. Nick was awesome, finding out the root of its bogusness and giving me advice on how to get it taken off my credit score. He was spectacular!”

Reed B.

“I've belonged to other larger credit unions before this one and - although the atmosphere in them was certainly better than a typical bank - I found the loan services in the other credit unions to be exactly like a normal bank, relying in the end on standard algorithms. This group was the only credit union (or bank) that I encountered where a single person worked with me from start to finish (no separation between sales and loan officer), and the only credit union that really took a careful individual look at assets, history, etc. So...I highly recommend them for both everyday banking and loans.”

John C.

DISCLOSURES

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. User Disclosure: I understand and authorize CCCU to provide me with my FICO^® Scores based on Experian information disclosed through my online/mobile banking account. I understand that only the Primary Owner’s FICO^®Score will be shown and any joint owner of this account is authorized, as my representative, to view my FICO^®Score. I further understand that if I choose in the future to discontinue receiving my FICO® Scores, I can opt out at any time by indicating this preference to the credit union.

Credit Report & Credit Score

How Is My Credit Score Calculated?

Easy Access

Peace of Mind

Positive Impact

It's Free

What is a good credit score?

What our members are saying:

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