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General Electric Credit Union

FICO® Scores

View your score online anytime, for free! 

Knowing your FICO® Score is an important part of building and maintaining your financial health.

What is a FICO® Score?
View your FICO Score online

GECU credit cardholders have access to FICO Scores in Online BankingAccess to your FICO® Score, for free!

The more you understand your FICO® Score and credit report, the more confident you'll feel about making financial decisions. That's why we're offering our members access to their scores for free, within Online Banking and our mobile app!

To have access to your FICO® Score, you must meet the following criteria:

  1. Be a member
  2. Be an Online Banking/mobile app user
  3. Have at least one of the following loan or deposit accounts:

What is a FICO® Score?

Your credit score summarizes your credit risk based on the information in your credit report at any given time. In general, the higher your score, the lower the risk to a potential lender. The most commonly used scores are FICO® Scores, which are created by Fair Isaac Corporation. FICO® Scores are available through all three major reporting agencies – Experian, Equifax, and TransUnion. The FICO® Score we provide is the FICO® Score 9 based on Equifax data and may be viewed online anytime. While your FICO® Score will always be available online, it is only retrieved from Equifax and updated quarterly. 

Diagram: Scores are calculated using five basic groups of dataYour score is calculated using five basic groups of data in your credit report: 

  1. Payment history
  2. Outstanding debts
  3. Length of credit history
  4. New credit
  5. Types of credit used



For additional information, review FICO® Score FAQs and Understanding FICO® Scores.


FICO® Score FAQs

What are FICO® Scores?
FICO® Scores are numbers that summarize your credit risk. Scores are based on a snapshot of your credit file at particular consumer reporting agencies at a particular point in time, and help lenders evaluate your credit risk. FICO® Scores influence the credit that’s available to you and the terms, such as interest rate, that lenders offer you.
How are FICO® Scores calculated?
FICO® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO® Scores are calculated.
  • 35% - Payment history
  • 30% - Outstanding debt
  • 15% - Credit history length
  • 10% - Pursuit of new credit
  • 10% - Credit mix
How often will I receive my FICO® Score?
FICO® Scores will be updated on the first business day of each new quarter (January, April, July, and October). If you have enrolled in Online Banking or our mobile app and meet the criteria (listed above), you will be able to see your score. The same score will be displayed during the entire quarter and will only be updated the first business day of each quarter. If you meet the criteria between score refresh dates, you will not see your score until the next quarterly refresh.
Will receiving my FICO® Score impact my credit?
No. The FICO® Score we provide to you will not impact your credit.
Why is my FICO® Score not available?
The availability of your FICO® Score is meant for primary members with at least one (1) qualified account. A few reasons your FICO® Score may not be available:
  • You are a new member.
  • Your score was temporarily unavailable at the time of our quarterly score refresh process.
  • You did not meet the criteria or weren’t signed-up for Online Banking or our mobile app at the time of our quarterly score refresh process.
  • You may not have enough credit history to generate a score.
Where does the information used to calculate my FICO® Score come from?
A FICO® Score is based on the credit information in a credit file with a particular consumer reporting agency (CRA) at the time the score is calculated. The information in your credit file is supplied by lenders, collection agencies, and court records. Not all lenders report to all three major CRAs. The FICO® Score that we provide to you is based on data from your Equifax report as of the ‘pulled on date’ shown with your score.
What are Key Score Factors?
When a lender receives a FICO® Score, "key score factors" are also delivered, which explain the top factors from the information in the credit report that affected the score. The order in which FICO® Score factors are listed is important. The first indicates the area that most affected that particular FICO® Score and the second is the next significant area. Knowing these score factors can help you better understand your financial health over time. However, if you already have a high FICO® Score (usually in the mid-700s or higher), score factors are informative but, not as significant since they represent very marginal areas where your score was affected.
Why is my FICO® Score different than other scores I’ve seen?
There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. The FICO® Score 9, based on Equifax Data that is being made available to you through this program, is the specific score that we use to manage your account. When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and range for that particular score.
Why do FICO® Scores fluctuate/change?
There are many reasons why a score may change. FICO® Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency (CRA) at that time. So, as the information in your credit file at that CRA changes, FICO® Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for a change in a FICO® Score. Keep in mind that certain events such as late payments or bankruptcy can lower FICO® Scores quickly.
How do I check my credit report?
Because your FICO® Score is based on the information in your credit report, it is important to make sure that the credit report information is accurate. You may get a free copy of your credit report annually. To request a copy of your credit report, please visit: Please note that your free credit report will not include your FICO® Score.
Why are you providing FICO® Scores?
Reviewing your FICO® Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.


FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. General Electric Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. General Electric 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.

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