FICO® Credit Score

The Benefits of the FICO® Score

FICO® Scores summarize information in your credit report into a single number that lenders can use to assess your credit risk quickly, consistently, objectively and fairly. Lenders use FICO® Scores to estimate your credit risk when you apply for credit–whether it’s a credit card, a car loan, a personal loan or a mortgage –lenders need to understand how likely you are to pay your credit obligations as agreed. Having a good FICO® Score can put you in a better position to qualify for credit or better terms in the future.

Giving our members access to this information is important in helping them understand their financial well being. Stanford FCU has teamed up with FICO to offer its members FICO® Score for free.

Your FICO® Score is accessible through Online and Mobile Banking.

Benefits of FICO Credit Score

What your FICO® Score means to lenders.

How are FICO® Scores calculated?

FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated.How FICO scores are calculated

Educational Videos

Understanding Your Credit Report
What is a FICO® Score
What goes into FICO® Scores
How Lenders Use FICO® Scores


Understanding FICO Scores

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

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