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Empower your Credit Health

A healthy credit score can affect your smallest and biggest financial goals. From impacting your loan interest rate, to insurance premiums to even renting an apartment - credit scores play a vital role.

Monitor your credit score for FREE with City & County Credit Union's My FICO® Score feature - without impacting your credit score or report.

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View Your Score in Online & Mobile Banking

To get started with City & County Credit Union's mobile banking and deposit services, click on any of the links below or visit your app store and search for “PC First Mobile” and download the CCCU mobile app on your smartphone or tablet.

For mobile account access, you must be enrolled in online banking. Click the link below to set up your online banking account.

Enroll in CCCU’s online banking

Frequently Asked Questions

What are FICO® Credit Scores?

Your credit score is a three digit number ranging from 300-850 that represents how financially responsible you are. The higher the number, the better your score. Your credit score is calculated from your credit report, a history of your credit information. Not sure if you have a credit report? If you have ever opened a credit card or loan, you have a one.

How your FICO® Credit Score is determined.

Your City & County FICO® credit score is determined by TransUnion®, a consumer credit reporting agency, collecting credit data from your credit report. The credit data will be separated into categories and those categories determine how your credit score is calculated.

How are credit scores calculated?

There are five categories used to calculate your score and each has a different weight in making up your FICO®credit score.

  • 35% Payment History
  • 30% Amounts Owed
  • 15% Length of Credit History
  • 10% New Credit
  • 10% Credit Mix

Learn about Credit Scores and why they matter.

Lenders, including City & County Credit Union, use your FICO® Score to assess your credit risk when deciding on whether or not to approve you for a line of credit, so it is important to have access to this information in order to stay on top of your finances.

Still unsure about credit scores? Watch this video from myFICO™ or visit the TransUnion® website to learn about Credit Reports and Credit Scores.

Will viewing this credit score affect my score?

No, it will not. Check it as much as you want and your score will never be affected.

 

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 review, use and benefit. City & County Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. City & County 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. The score displayed in digital banking is for the primary individual on the membership only.

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