
Credit Journey
Get a clear picture of where you stand financially. Access your credit score, set financial goals, and watch your credit improve.

Credit Journey tool
As a UCU member-owner, you have access to many features that can help you stay on track financially. One of these features is our Credit Journey tool, which allows you to view your credit score daily, access a wealth of information to help you analyze your score, set goals to improve it, and simulate how your score will change if you apply for a new loan or pay off all your credit cards. Our tool is designed to give you a financial advantage and give you a clear picture of where you stand.
Ready to start your Credit Journey?
To enroll, simply log into digital banking and click on ‘See Your Score' on the ‘Get Your Credit Score' tile.
Frequently asked questions
- What are FICO Scores? Click On What are FICO Scores? FICO Scores are the most widely used credit scores. Each FICO Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion, and Equifax. Your FICO Scores predict how likely you are to pay back a credit obligation as agreed. Lenders use FICO Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.
- Why is University Credit Union providing FICO Scores? Click On Why is University Credit Union providing FICO Scores? Nearly all lenders in the U.S., including UCU, use FICO Scores as the industry standard for determining credit worthiness. Reviewing your FICO Scores can help you learn how lenders view your credit risk and allow you to better understand your financial health.
- What goes into FICO Scores? Click On What goes into FICO Scores? FICO Scores are calculated from the credit data in your credit report. This data is grouped into five categories; each of which has a different level of impact on your score.
- 35% - Payment history: Whether you've paid past credit accounts on time
- 30% - Amounts owed: The 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 inquiries and new account openings
- 10% - Credit mix: The mix of your credit, retail accounts, installment loans, finance company accounts, and mortgage loans
- What are score factors? Click On What are score factors? Score factors are delivered with a consumer’s FICO Score, these are the top areas that affected that consumer’s FICO Scores. The order in which the score factors are listed is important. The first factor indicates the area that most affected the score and the second factor is the next most significant influence. Addressing these factors can benefit the score.
- Why is my FICO Score different than other scores I’ve seen? Click On 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 consumer reporting agency, so differences in your credit files may create differences in your FICO Scores.
- Why do FICO Scores fluctuate/change? Click On 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 consumer reporting agency at that time. So, as the information in your credit file at that consumer reporting agency 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.
- Will receiving my FICO Score impact my credit? Click On Will receiving my FICO Score impact my credit? No. The FICO Score that UCU provides to you will not impact your credit.
- How often will my FICO Score be updated? Click On How often will my FICO Score be updated? When viewing your FICO score, you have the option to refresh your score on a daily basis.
- Why is my FICO Score not available? Click On Why is my FICO Score not available? There are many possible factors as to why your FICO Score may not be available. Some of the common reasons are listed below:
- You are a new account holder and your FICO Score is not yet available
- Your credit history is too new
- You are not the primary account holder
Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
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