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Credit Report & Credit Score

Stay on top of your financial health and improve your future by knowing your credit score and viewing your credit report regularly.

Instant FICO® Score Access

Your FICO® Score can help determine if you get approved for loans and what rate you may receive on a loan. Your score can impact your monthly budget, retirement, and savings goals. CCCU makes it easy to stay informed.

Happy woman on computer checking her FICO credit score.

Easy Access

CCCU members can gain access to their FICO Score® through mobile banking or online banking.

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® is free for all CCCU members who have access to mobile and online banking.

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

Keep track of your credit score in your online banking account and our mobile app. 

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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.

Articles Related to Credit Score

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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.