Why can’t I see my FICO® Score?
Your FICO® Score may be viewable in RCU digital banking or the RCU mobile app, if you have the following:
- At least one current home and/or consumer loan (such as a personal credit card or non-commercial vehicle loan) reflecting current credit data reporting through FICO® sufficient to generate a FICO® Score*.
- A valid RCU digital banking login registered to your own social security number as associated with the above loan(s).
- A valid FICO® Score greater than zero (0) reporting within the most recent calendar quarter.
*To receive a visible FICO® Score greater than zero (0), credit history should generally:
- Contain at least one undisputed account older than six months.
- Contain at least one undisputed account updated within the past six months.
- Not contain a deceased indicator on the credit report.
If an individual’s FICO® Score is not greater than zero (0), they will not be able to view the FICO® Score through RCU’s digital banking or the mobile app. Individuals who are new to credit, or in some cases, individuals who have decided to re-establish credit after not having an active FICO® Score for some years, may not be able to see a score due to not having a score greater than 0.
Some other potential reasons why an RCU Member may not see a FICO® Score in RCU’s digital banking or the mobile app are:
- Member’s loan activity with RCU is limited to business, Trust, estate or other ineligible loan types.
- Consumer and/or home loan reporting to FICO® is in an ineligible delinquent status.
- Members with a name suffix of III or greater will not be able to view FICO scores
- Members using an ITIN will commonly not be able to view FICO scores.
- Residents of Vermont are not eligible
- Equifax will not send a score if there is a fraud or security alert in place on a credit report.
- There must be a loan or credit card balance greater than .01 on the day we request FICO scores from Equifax (March 8th, June 8th, September 8th, December 8th).
Remember, if you use your RCU credit card for purchases or transfers and pay it in full before the end of a credit reporting cycle, you may not be impacting your credit score at all since all activity has taken place prior to FICO® receiving the activity or history following a reporting cycle. This practice is particularly important to avoid for those new to credit who are working to establish and/or increase their FICO® Score.
If you are new to credit, it may take several months before you receive a visible FICO® Score, as your oldest account becomes at least six months old. If you haven’t had active credit for some years, your score is unable to be generated for FICO® credit scoring display until you have recent undisputed activity, usually after 6 months of activity. Note that RCU digital banking and mobile app is displaying FICO® Scores based on FICO® Score reporting data which is updated quarterly.
If you believe you meet the above criteria but are still unable to view your FICO® Score in digital banking or the mobile app, please contact the credit bureau directly: