Experian Credit - FICO Score

Experian Credit - FICO Score

Access your FICO® Score for free in Online and Mobile Banking  

USSFCU is proud to provide members with access to their Experian FICO Score along with key score factors and ingredients.  Additionally, understand how your financial choices will affect your credit scores with an easy-to-use FICO® Credit Score Simulator. Whether you are paying off debt, opening a new credit card or even taking out a mortgage, you will be able to easily predict how different financial decisions will impact your FICO® Score.

Experian Dashboard

Experian Education Center

Get a snapshot of your credit score and a wealth of information that gives you great insight into your credit makeup.

  • Payment History
  • Amount of Debt
  • Credit History Length
  • Amount of New Credit
  • Credit Mix

This incredible resource is here to help you get a better understanding about how credit and credit scores work and impact your life.

  • How Life Events Affect Your Credit Score
  • Factors That Affect Your Credit Score
  • Understanding Credit Scores
  • & more!

Use our FICO® Score Simulator

See real-time credit scenarios like applying for a mortgage, getting a new credit card or even filing for bankruptcy, without impacting your score. Its a roadmap to your credit and financial future.*

Access your FICO® Score through myUSSFCU online & mobile banking.

GET STARTED

Accessing Experian Credit and your FICO® Score through this platform will not impact your credit score.

You may need to disable pop-up blocking in your browser to access this tool. Instructions on how to do this can be found at the bottom of this page. 

What is a FICO® Score?

A FICO® Score is a key metric that lenders use to determine whether to approve or decline requests for credit. It is also a factor in interest rate decision making. A high FICO® Score could save you thousands of dollars in interest, while a low FICO® Score could result in high-interest rates or being declined for a loan, utilities, housing, and more.

 

This is a free service provided to USSFCU members.

To use the Experian Credit tool, you may need to disable pop-up blocking in your browser. Here are some simple Instructions on how to do this:

{beginAccordion}

Safari:

Mac:

  1. Open Safari and click on Safari in the menu bar.
  2. Select Settings (or Preferences).
  3. Go to the Websites tab.
  4. Click on Pop-up Windows on the left sidebar.
  5. Select Block from the drop-down menu next to "When visiting other websites

iPhone/iPad:

  1. Open the Settings app.
  2. Scroll down and tap Safari.
  3. Toggle Block Pop-ups to turn it on or off.

Google Chrome:

  1. Open Chrome: Launch the Google Chrome browser on your computer.

  2. Access Settings: Click the three dots (More) in the top right corner, then select "Settings".

  3. Privacy and Security: In the left-hand menu, click on "Privacy and security". 

  4. Site settings: Click on "Site settings".

  5. Pop-ups and redirects: Scroll down to find "Pop-ups and redirects".

  6. Choose your setting:

    • To block all pop-ups, select "Don't allow sites to send pop-ups or use redirects".

    • To allow pop-ups, select "Sites can send pop-ups and use redirects".

    • You can also customize settings for specific websites by adding them to the "Allowed" or "Blocked" lists.

Microsoft Edge:

  1. Open Edge and go to Settings: Click the three-dot "Settings and more" menu in the top right corner, then select "Settings". 

  2. Navigate to Cookies and site permissions: In the Settings menu, click on "Cookies and site permissions". 

  3. Find Pop-ups and redirects: Under "All permissions," locate and click on "Pop-ups and redirects". 

  4. Toggle the Block setting: To disable pop-ups, ensure the "Block (recommended)" toggle is turned ON. To allow pop-ups, toggle it OFF. 

  5. Customize with site exclusions (optional): If you want to allow or block pop-ups from specific sites, you can manage this under the "Allow" or "Block" sections by adding website addresses.

{endAccordion}

If you encounter any personal credit information you deem as incorrect in the Experian Credit platform, 

Submit Your Dispute Here

*About the FICO® Score Simulator

The simulator and simulated score are provided for informational purposes only and is intended to approximate the impact of various scenarios on your FICO® Score - assuming all other factors stay the same. Using this tool, you can get a better understanding of how various positive and negative actions you can take could affect your FICO Score.

Your actual score, and the impact of any action taken, results from a complex interaction of FICO's scoring methodologies and the information on your credit report, some of which changes daily. Also, please note the results of simulating different scenarios are not necessarily cumulative. In other words, simulating two different scenarios, each of which individually could raise your FICO Score by 20 points, will probably not collectively raise your FICO Score by 40 points. Information on your authorized user accounts are not considered in the FICO Score simulations.

FICO, the FICO Logo and the FICO product and service names referenced herein are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries. Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian. Other product or company names mentioned herein are the property of their respective owners.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

Read More testimonials.