Digital Banking is experiencing Device Registration and Secure Access Code (SAC) delivery issues. Mobile users who are unable to proceed past the SAC screen should uninstall and re-install the Visions FCU Mobile app to resolve the issue. For more information, navigate to https://visionsfcu.org/digital.

Please note that we have planned maintenance scheduled for the week of June 30th. You may experience slower transaction processing during this time. We appreciate your patience.

Why does my credit score fluctuate/change?

There are many reasons why a credit score may change. Your current credit score takes into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at the time it is generated. So, as the information in your credit file at that CRA changes, your VantageScore® credit score can also change.

Review your credit score's key score factors, which explain which factors from your credit report or recent credit history most affected the credit score. Comparing key score factors from two different time periods can help identify causes for a change in a credit score. Keep in mind that certain events such as late payments or bankruptcy can lower your credit score quickly.

Credit Score FAQ