Understand your credit with free access to your FICO® Score from Harvard FCU.

Good credit can help you secure a personal loan, a mortgage, and even rent an apartment. 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.

We’ve made it easy for you to understand your credit health. With Harvard FCU, you now get free access to your FICO® Score on your monthly statement and in online banking.

How to View Your FICO® Score

Step 1

Log in to Online Banking by clicking the button at the top right of this webpage. If you’re not already enrolled, you must set up your online access before continuing.

Step 2

Once logged into Online Banking, click the ‘More’ option from the navigation.

Step 3

Click FICO® Score option in the drop-down menu to see your score!

Understanding Your Credit

Frequently Asked Questions

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.

Harvard FCU account holders will receive their updated FICO® Score based on Experian data, when available, on a quarterly basis.

No. The FICO® Score we provide will never impact your credit score.

You may request a copy of your credit report for free each year at AnnualCreditReport.com.

When a lender receives your FICO® Score, key score factors are delivered with the score. These key score factors are the top factors that affected the score. Knowing these score factors can help you better understand your financial health over time.

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 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

The availability of your FICO® Score is meant for the primary account holder. A few reasons your FICO® Score may not be available include:

  • You are a new account holder – Your FICO® Score is refreshed quarterly and may not have been available during our last score refresh process.
  • You are not the primary account holder on your joint account
  • You are an authorized user
  • Your card is no longer active
  • Your score was temporarily unavailable at the time of our quarterly score refresh process

Stop Receiving Free Access to Your FICO® Score

Click here if you no longer wish to receive your FICO® Score for free from Harvard FCU.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Harvard Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Harvard 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.