Enhance and Manage Your FICO® Score

Stay vigilant by checking your credit report from all three major credit bureaus: Equifax, Experian, and TransUnion. You have the right to receive a free credit report from each of the three major credit bureaus once a year through Annual Credit Report. Promptly address any inaccuracies to ensure your reports reflect accurate information. Members with an active lending relationship with SECU can also view their FICO Score online through Member Access.

Pay your bills on time, every time. Consistent and punctual payments establish a positive payment history, a crucial factor in determining your FICO Score.

Keep your credit card balances low. It is recommended that you utilize less than 30% of your available credit.¹ Responsible credit usage demonstrates your ability to manage debt effectively.

Limit the number of credit applications you make within a short period. Frequent applications and the opening of various new credit accounts can raise concerns among lenders and have a negative impact on your score.

Maintain a healthy mix of credit types, such as credit cards, loans, and mortgages. A diverse portfolio showcases your ability to handle different types of credit responsibly.

Keep longstanding accounts open, even if they’re not actively used. A longer credit history indicates stability and positively influences your score.