Get your VantageScore® credit score for free!

Your credit score is important. It can affect more than just your loan interest rates. That's why we want to give you access to your score whenever you want – all for free.


How can I access my score?

Accessing your score is easy. Simply log into digital banking and select "Credit Score" from the Services menu or locate the information on your digital banking Home page. Please note that first-time users will need to accept the terms and conditions.

Once you click into the details about your credit score, you may be able to view a previous month's FICO® Score. Starting January 2025, any current credit score is provided by VantageScore® within the same digital banking feature, which will indicate the credit score provider and key factors that impact each score.

Will checking my credit score hurt my credit?

No, all credit pulls through digital banking are considered "soft pulls", meaning they will have no impact on your credit score.

Why is my credit score so important?

Everyone knows that your credit score can impact loan decisions, but did you know it can also alter your insurance rates? And that’s not all. Your credit score can also affect:

  • Your chances of renting an apartment
  • Whether you can get a cell phone contract
  • Whether you need a deposit for your utility company

What makes up my credit score?

Not all factors are created equal when it comes to your credit score. Some, such as payment history, are influential, while others are less important, like new accounts opened. While everyone’s credit profile is different, there are similarities in what lenders look for in a borrower’s history to make their lending decisions, listed below. Learn how credit scores are determined. Each is ranked from most important to least.

Payment history:
Payment history is important to lenders. If you’ve missed even one payment, your credit score suffers, making it more difficult to open additional credit accounts or access additional funds through the accounts you already have. Do everything you can to stay current.

Total Credit Usage: 
Experts advise that to have credit scores considered “good” or “excellent,” you should use 30% or less of the total credit available to you. For example, if you have a credit card with a $1,000 limit, it’s best to not carry a balance on that card of more than $300. 

Credit Mix and Experience: 
A credit mix that’s varied, such as a car loan, a credit card, and a mortgage, demonstrates to lenders that you’re able to responsibly manage different types of credit responsibly over time. Take steps to increase the types of credit you access. Also, the longer you’ve had a credit account, the better—which is why it’s important to establish credit early in adulthood if possible.

New Accounts Opened: 
Too many new accounts opened in a short amount of time can result in denial of credit. To protect and grow your credit score, it’s best to space out your applications for credit cards and other credit accounts.

Balances and available credit:
Paying down credit balances and having a high amount of credit available demonstrates that you have financial flexibility. Whenever possible, pay down balances on your accounts. 

Explore how VantageScore credit scores work

What are the credit score ranges?

Depending on the credit agency, scores typically range in value from 300-850. Every VantageScore and FICO credit score is designed to predict the statistical likelihood that a borrower will become delinquent on a financial obligation. 

Score Range and Factors

Most VantageScore credit scores range from 300 to 850. Base FICO® Scores, which are intended to be used by any type of lender, also have a 300 to 850 range. However, FICO creates additional, industry-specific scoring models for auto lenders and credit card issuers that range from 250 to 900. Both companies' credit scores broadly consider the same types of information—data from your credit report. However, each scoring model may consider slightly different data points and weight information differently. 

VantageScore suggests separating its credit score range (300 to 850) into different groups, with a score of 661 or higher considered a good score. Lenders may have their own criteria for what they consider to be a good credit score. 

Plus, you can get a VantageScore credit score if you have a credit report with a credit account, bankruptcy filing, or collection account. There's no requirement for how long you've had a credit account in your credit report or for recent account activity – meaning you could still have a credit score with less than six months of recent credit! 

Read more about differences between VantageScore and FICO

I'm worried about my credit, what can I do?

Our Financial Wellness team provides free, confidential one-on-one financial counseling. We're happy to offer our support by discussing credit, approaches to debt, and your other financial goals. Get in touch via email at education@visionsfcu.org.

Check out our Wallet Wellness portal for more free resources to support your financial well-being.

If you wish to discuss your Visions loans, please connect with a representative at 800.242.2120 or visit your local office.


Credit Score FAQ