Credit Score and Credit Report

Your credit report provides information about your credit history, including a list of open loans, accounts and credit inquiries. You’ll also see details on your payment history, credit utilization and any public records that show up on your account.

Your credit score – which ranges from 0-850 – indicates how creditors rate your risk as a borrower. A higher score means a lower interest rate. A lower interest rate means saving money.

Why do credit scores differ?

Three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO and VantageScore—determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring models are completely identical. Regardless of the credit bureau or credit scoring model used, credit scores fall into specific ranges: Excellent 700+, Good 640-699, Fair 600-639, Unfavorable 550-599 and Below Standards 0-549.

Why don’t I have a credit score?

Credit scoring models cannot generate a score without enough credit information. If you have little or no credit history, you likely will not have a credit score available.

How do I check my credit score or view my credit report?

City Credit Union’s Advantage Checking account offers a free credit report every 90 days, credit monitoring and other helpful tools. Learn More

Sites like and also provide personal credit information for free.