FICO® Score

Popular Questions

You are eligible for this service if you maintain the following accounts/services at Unitus:

  • Unitus Checking Account;
  • eStatements; and
  • A credit card, vehicle loan, personal loan, Equity Line Plus, or mortgage loan

Simply click on the ‘Your FICO® Score’ link in uOnline and then read and agree to the Opt-In terms and conditions.

If you are eligible, this access is provided at no additional cost.* Scores are updated monthly, and you can see up to six months of history.

To add one or more of the above products or services to your account, please login to uOnline or call us at 503.227.5571 or 1.800.452.0900.

FICO® Scores are available for the primary account holder only and are only available on consumer accounts. and accounts held in a trust do not qualify for the Program.

*Your FICO® Score from Equifax is provided at no additional cost to you based on account eligibility. When Unitus requests your FICO® Score, a soft-inquiry will be posted on your credit file; the inquiry does not impact your FICO® Score. Obtaining a FICO® Score on a different date, from a different consumer reporting agency, or using a different scoring model might result in a different score. Additionally, the Program Information provided to you does not constitute a credit score disclosure that you are entitled to request from the nationwide consumer reporting agencies for a fee pursuant to Section 609(f) of the Fair Credit Reporting Act. Once eligible, you must continue to meet Unitus’ eligibility requirements in order to access your FICO® Score in uOnline. You have the right to withdraw or “opt-out” of the program at any time by simply contacting Unitus at 503.227.5571 or toll-free at 1.800.452.0900. Equifax is a registered trademark of Equifax Inc. FICO® is a registered trademark of Fair Isaac.

A FICO® score is a particular brand of credit score. A credit score is a number that is used to predict how likely you are to pay back a loan on time. Credit scores are used by companies to make decisions such as whether to offer you a mortgage or a credit card. They are also used to determine the interest rate you receive on a loan or credit card, and the credit limit.

FICO scores range from 300-850. Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate. Like all credit scores, FICO scores can change over time according to your credit behavior.

Learn more about FICO scores and credit scores. (source:

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