Your FICO® Score

FICO® Scores are the most widely used credit scores. Staying on top of your FICO® Score can help you get better loan rates, credit cards with special benefits and more! As a member of Rogue Credit Union, you have free access to your FICO® Score through Online and Mobile Banking. Checking Your FICO® Score is free and will not impact your credit.

Online Banking: Hover over “Additional Services” in the main navigation bar, then click “Check your FICO® Score” from the drop-down list.
Mobile Banking: Go to “More,” then scroll down and tap “Check your FICO® Score.”

Grow Your FICO® Score

The better your score, the more likely you are to receive competitive terms on loans and more.

What is a FICO® Score?
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. 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.

Understanding your FICO score

How is a FICO® Score Calculated?

There are five factors that determine your FICO® Score:

Payment History: Whether you've made past payments on time
Amounts Owed: Amount of credit and loans you are using
Length of Credit History: How long you've had credit
New Credit: Frequency of credit inquiries and new account openings
Credit Mix: Mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans

Each of these factors is informed by the data available in your credit reports, which are maintained by the three major consumer reporting agencies: Experian, TransUnion and Equifax.

Your FICO® Score is often presented alongside score factors that represent opportunities to improve your score. The first-ranked score factor indicates the area that most affected your score. Paying special attention to your top-ranked factors can help you boost your score.

What is a Good FICO® Score?

FICO® Scores generally range from 300 to 850, though some types of FICO® Scores have a slightly broader range. A higher score is better because it indicates lower credit risk.

What's considered a "good" FICO® Score varies, since each lender has its own standards for approving credit applications based on the level of risk it finds acceptable. One lender may offer its lowest interest rates to people with FICO® Scores above 730, while another may only offer them to people with FICO® Scores above 760.

The chart below provides a general guide to what a FICO® Score represents.

Range of Credit Scores

Dollars and $ense

Learn more about credit scores with Dollars and $ense!

 Credit Score Basics
• Boost Your Credit Score
• FICO® Scores
• Credit Card Fraud

Play Credit Galaxy

Test your knowledge with Credit Galaxy, a FICO® Score educational game.


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