Free Access to your FICO® Score

Understand your credit with your FICO® Score in online banking.

At Andrews Federal, we empower our members to achieve their financial dreams. That's why we're providing our members access to their FICO® Score within online banking. 

So, what are you waiting for? Viewing your FICO® Score won't impact your credit score and it's completely free!  Log into online banking and view your score today.  Don't use online banking?  Enroll today!

Understanding Your Credit

  • How can I get a free copy of my credit report?

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

  • What are FICO® Scores?

    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.

  • How are FICO® Scores calculated?

    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 
  • How often will I receive my FICO® Score?

    Andrews Federal members will receive their updated FICO® Score 8 based on Equifax data, when available, on a quarterly basis. 

  • Will receiving this affect my credit score?

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

  • What are key score factors?

    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.

  • Why is my FICO® Score not available?

    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 member – 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    • Your card is no longer active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

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Andrews Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Andrews Federal CU 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.