FICO FAQs

Do you provide free access to FICO® Scores?
Yes! Stanford FCU provides this as a free benefit to our members.
What do I do if my FICO banner is not appearing on my Stanford FCU Online Banking account?
Call us at 888.723.7328 or send us a secure message in Online Banking for assistance.
Where did Stanford FCU get my FICO® Score from?
Stanford FCU partners with FICO and Experian, one of the major credit reporting agencies, to be able to provide you with your FICO® Score.
How often will I receive my FICO® Score?
Stanford FCU members will receive their updated FICO® Score 2 based on Experian data on a quarterly basis, when available.
Will receiving my FICO® Score impact my credit?
No. The FICO® Score 2 based on Experian data we provide to you will not impact your credit.
Why is my FICO® Score not available?
Reasons why you may not see your credit score include:

  • You opted out
  • You are not the primary account holder on the account
  • You have key information that is mismatched or missing, as one example, an address change that has not been updated with Stanford FCU or Experian
  • Your credit history is too new
  • Your account status is abandoned, bankrupt, fraud, lost or stolen, closed, revoked, or charged off
  • You have a foreign address
  • You have no account activity such as no purchase transactions, fees, interest, or payments for approximately 30 – 45 days. This may occur, for example, if your account is new.
Why are you providing FICO® Scores?
Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health. Stanford FCU provides your scores based on information from your Experian credit report so you can stay on top of your credit and avoid surprises.
Are you sharing this information?
No. Stanford FCU is not sharing your FICO® Score with anyone but you.
How do I opt in?
Click on the FICO® Score banner that appears on your Stanford FCU Online Banking Home page (in the right hand column) If you do not see the widget call us at 888.723.7328.
Can I opt out?
Yes. If you’d like us to stop providing your FICO® Score, contact us at 650.723.2509.
My FICO Score is incorrect, what should I do?
Stanford FCU uses Experian’s FICO Risk Model V2 for our members’ credit scores. Keep in mind that there are many different credit scores available to consumers and lenders. Different lenders (such as auto lenders and credit card lenders) may use different versions of FICO® Scores. Also, credit scores are calculated every time the scores are requested, so it can fluctuate/change easily.
Why is my FICO® Score important to me?
Nearly all lenders in the U.S, including Stanford FCU, use a FICO® Score among other information when they make their credit decisions. And they have for over 20 years. Stanford FCU provides your FICO® Score based on Experian data so you can stay on top of your credit and avoid surprises.

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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