FICO® Scores

Fortera Credit Union members who have an active Fortera Credit Card will now have access to their FICO® Score through Online Banking. Credit card account holders will also have access to their FICO® Score with their monthly credit card statement. The FICO® Scores are retrieved from Equifax on a quarterly basis. For additional information, review FAQs About FICO® Scores* and Understanding FICO® Scores*.

About FICO® Scores

FICO® Scores are numbers that summarize your credit risk. Scores are based on a snapshot of your credit file at particular consumer reporting agencies at a particular point in time, and help lenders evaluate your credit risk. FICO® Scores influence the credit that's available to you and the terms, such as interest rate, that lenders offer you.

Your FICO® Score can impact (good or bad) your ability to obtain a new loan. The higher the score, the better.

A FICO® Score is one of many attributes that are considered by the Credit Union when reviewing loan requests. Factors such as your income, payment affordability, history with the Credit Union, and collateral value (if applicable) all play a role in helping us make lending decisions.

Please note that your credit score is not impacted at all by Fortera Credit Union providing the score to you.

While your FICO® Score can change daily, we obtain the score four times a year (January, April, July, and October) as long as you maintain an active credit card relationship.

Significant changes in your score should be reviewed more closely by obtaining your credit report. Any changes could be an indication of a problem, unless you recently made significant changes to your loans and accounts included in your credit profile. You can obtain one free credit report per year from





*This material is provided by FICO. Information provided may not reflect the view of Fortera Credit Union. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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