About FICO® Scores

Ukrainian Federal Credit Union (UFCU) is committed to helping you better understand your credit health. That is why with a credit card from UFCU, you now get free access to your FICO® Score.
Used by financial institutions to help gauge credit worthiness, your FICO® Score can be one of the most influential and valuable pieces of information to shape your financial future. The FICO® Score is the best known and most widely used credit score model in the United States.
A FICO® Score is a number that represents your creditworthiness and is a summary of information on your credit report. This data is grouped into five categories as outlined below. The percentages reflect how important each of the categories is in determining how FICO® Scores are calculated.
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What goes into FICO Scores?

  • 35% – Payment history. Whether you’ve paid past credit accounts on time.
  • 30% – Amounts owed. Amount of credit and loans you are using.
  • 15% – Length of credit history. How long you’ve had credit.
  • 10% – New credit. Frequency of credit inquires and new account openings.
  • 10% – Credit mix. Mix of your credit, retail accounts, installment loans, finance company accounts and mortgage loans.

Ukrainian Federal Credit Union Credit Card holders will receive their updated FICO® Score 5 based on Equifax data, when available, on a quarterly basis. You’ll see this score on your monthly statement and within Online Banking, so you can stay on top of your credit and avoid surprises.

Curious about your credit report? Free weekly online credit reports are available from Equifax, Experian and TransUnion to primary account holders. Request yours online by visiting Annual Credit Report.


Understanding Your Credit Report from FICO B2C Scores on Vimeo.


What is a FICO® Score? from FICO B2C Scores on Vimeo.


Which Credit Scores Matter from FICO B2C Scores on Vimeo.




Ready to test your knowledge? Have fun while learning!

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