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Keeping an eye on your FICO® Score is important. That’s why we have partnered with FICO to allow you free access to your score as well as key factors that effect it. We hope you find the following educational material helpful.
What is FICO?
FICO, formerly known as Fair Isaac Corporation, is the company that invented FICO® Scores. Starting in the 1950s, FICO sparked a revolution in credit risk assessment by pioneering credit risk scoring for credit grantors. This new approach to measuring risk enabled banks, retailers and other businesses to improve their performance and to expand consumers’ access to credit. Today, FICO® Scores are widely recognized as the industry standard for measuring credit risk.
It is important to note that while FICO works with the consumer reporting agencies to provide your FICO® Scores, it does not have access to or store any of your personal data or determine the accuracy of the information in your credit file.
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. Lenders use FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.
There are several reasons why you may not have a score available to display. Some of the possible reasons may include:
• Your credit history is too new.
• You are a new account holder, and your FICO® Score is not yet available.
• You are not the primary account holder.
• Score error.
• Your CPCUi account has been inactive or disabled.
Useful Links & Resources
Educational Videos
Have Questions?
Call us during normal business hrs:
(517)372-2400
OR
Contact Us
What is FICO?
FICO, formerly known as Fair Isaac Corporation, is the company that invented FICO® Scores. Starting in the 1950s, FICO sparked a revolution in credit risk assessment by pioneering credit risk scoring for credit grantors. This new approach to measuring risk enabled banks, retailers and other businesses to improve their performance and to expand consumers’ access to credit. Today, FICO® Scores are widely recognized as the industry standard for measuring credit risk.
It is important to note that while FICO works with the consumer reporting agencies to provide your FICO® Scores, it does not have access to or store any of your personal data or determine the accuracy of the information in your credit file.
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. Lenders use FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.
There are several reasons why you may not have a score available to display. Some of the possible reasons may include:
• Your credit history is too new.
• You are a new account holder, and your FICO® Score is not yet available.
• You are not the primary account holder.
• Score error.
• Your CPCUi account has been inactive or disabled.
Useful Links & Resources
Educational Videos
Have Questions?
Call us during normal business hrs:
(517)372-2400
OR
Contact Us
Once you have logged into CPCUi (CPCU’s online banking platform), You will find your FICO® Score by navigating to the main menu. My FICO® Score will be displayed under Services. The first time you tap or click on “My FICO® Score“, you will need to agree to the terms (Opt-In) in order to see your score.
Mobile App Version (Android):
Your FICO® Score will be displayed along with Key Factor(s) affecting your score. Scroll down to see a dropdown linking to educational content labeled “FICO® Score Facts“.
On a Desktop or Laptop:
Once you have logged into CPCUi (CPCU’s online banking platform), You will find your FICO® Score by navigating to the main menu. My FICO® Score will be displayed under Services. The first time you tap or click on “My FICO® Score“, you will need to agree to the terms (Opt-In) in order to see your score.
Mobile App Version (Android):
On a Desktop or Laptop:
Consumers Professional Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Consumers Professional 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.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
FICO® Score and associated educational content are provided solely for your own non-commercial personal educational review, use and benefit.
The credit file used to create your FICO® Score is continuously updated, and this FICO® Score may not reflect the most current data on your credit file. You have the right to obtain a free credit report annually from each of the three major consumer reporting agencies. To request a copy of your credit report, please visit: http://www.annualcreditreport.com.
If you are using a screen reader or other auxiliary aid and are having difficulty with this site, please call 1-800-292-2728.
Consumers Professional Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Consumers Professional 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.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
FICO® Score and associated educational content are provided solely for your own non-commercial personal educational review, use and benefit.
The credit file used to create your FICO® Score is continuously updated, and this FICO® Score may not reflect the most current data on your credit file. You have the right to obtain a free credit report annually from each of the three major consumer reporting agencies. To request a copy of your credit report, please visit: http://www.annualcreditreport.com.
If you are using a screen reader or other auxiliary aid and are having difficulty with this site, please call 1-800-292-2728.