Yes! Stanford FCU provides this as a free benefit to our members.
Call us at 888.723.7328 or send us a secure message in Online Banking for assistance.
Stanford FCU partners with FICO and Experian, one of the major credit reporting agencies, to be able to provide you with your FICO® Score.
Stanford FCU members will receive their updated FICO® Score 2 based on Experian data on a quarterly basis, when available.
No. The FICO® Score 2 based on Experian data we provide to you will not impact your credit.
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.
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.
No. Stanford FCU is not sharing your FICO® Score with anyone but you.
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.
Yes. If you’d like us to stop providing your FICO® Score, contact us at 650.723.2509.
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.
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.