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Kelly Community FCU Mobile


Free - On the App Store


Kelly Community FCU Mobile


Free - On the App Store

You can now check your FICO® Score (the most widely used credit score) for free right on your Kelly Community FCU app, or through your online banking portal!

Here’s everything you need to know about your FICO® Score available with Kelly Community FCU!


What are FICO® Scores?

FICO® Scores are the most widely used credit scores. Each FICO® Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion and Equifax.


Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed. Whenever you need a loan, lenders like us use your FICO® Score to help determine if you qualify and what rate you’ll get. The better your score, the better your rate.


Why are we providing FICO® Scores?

Nearly all lenders in the U.S., including us, use FICO® Scores as the industry standard for determining credit worthiness.


When you check out your FICO® Score for yourself, you can better see how lenders view your credit risk. This will help you better understand your financial health so you can take the steps you need to reach your goals.


What goes into FICO® Scores?

FICO® Scores are calculated from the credit data in your credit report. This data is grouped into five categories with a different importance level assigned to each one:
  1. 35% – Payment history:
    Whether you’ve paid past credit accounts on time
  2. 30% – Amounts owed:
    The amount of credit and loans you are using
  3. 15% – Length of credit history:
    How long you’ve had credit
  4. 10% – New credit:
    Number of new credit requests or credit openings, and how recent they are
  5. 10% – Credit mix:
    The mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans


What are score factors?

Score factors are delivered with your FICO® Score. These are the top areas that affected your FICO® Score. The order in which the score factors are listed is important. The first factor indicates the area that most affected the score and the second factor is the next most significant influence. Addressing these factors can benefit the score.


Why is my FICO® Score different than other scores I’ve seen?

There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores.


Why do FICO® Scores fluctuate?

There are many reasons why a score may change. FICO® Scores are calculated each time they are requested. They take into consideration the information in your credit file from a consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change.
Review your key score factors, which explain what factors from your credit report most affected a score.  Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.


Will receiving my FICO® Score impact my credit?

Nope, that’s one of the best parts!  The FICO® Score we provide to you will not impact your credit.


How do I check my credit report for free?

You may get a free copy of your credit report from each of the three major consumer reporting agencies annually. To request a copy of your credit report, please visit: Please note that your free credit report will not include your FICO® Score. Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate.


How often will I receive my FICO® Score?

We’ll refresh your FICO® Score every quarter, but you can check it as often as you want without affecting your credit score!


Why is my FICO® Score not available?

There are a couple of reasons why your FICO® Score might not be available. They are:
  • You’re a new account holder and your FICO® Score is not yet available
  • Your credit history is too new


For helpful resources about your FICO® Score, click here!


FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.


Kelly Community Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Kelly Community Federal Credit Union 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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