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FICO® Scores Now Available to VACU Members

FICO scoreVirginia Credit Union is making credit scores available to members who use the Virginia Credit Union Mobile Banking App beginning today. 

Members of the credit union will be able to see their FICO® Scores1 through the Virginia Credit Union Mobile Banking App. The information will be updated quarterly for users. Eventually, members will be able to view the last four available scores and receive information about key factors that affected their score as well as credit education information. 

Members 18 years of age or older with a checking account and/or a loan product with the credit union will have access to the tool. Members who use the Virginia Credit Union app to access mobile banking may find the tool in the “more services” section of the app and will have to opt in to use the tool. Opting in does not affect their credit score. 

“Members are curious about their credit score and how it changes over time,” explains Deb Wreden, Virginia Credit Union’s executive vice president of product and delivery strategy. “This tool puts more information in the hands of our members and supports our goal of empowering members through financial knowledge and education.” 

FICO® Scores are the most widely used credit scores. Each FICO® Score is a three-digit number calculated from the data on credit reports at the three major consumer reporting agencies: Experian, TransUnion and Equifax. Lenders use FICO Scores to help them quickly, consistently and objectively evaluate potential borrower’s credit risk. 

Most lenders in the U.S., including Virginia Credit Union, use FICO® Scores as the industry standard for determining credit worthiness. Knowing their FICO® Score can help a borrower learn how lenders view their credit risk and better understand their financial health. 


A financial cooperative serving more than 285,000 members, Virginia Credit Union offers a variety of affordable banking services, loans, mortgages, and free financial education resources, with a focus on helping people be more confident with their finances. Virginia Credit Union is an equal housing opportunity lender and is federally insured by NCUA. 

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

Media Contact: Glenn Birch | glenn.birch@vacu.org | (804) 560-5664