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 ‘FICO® Score’ widget in uOnline and then read and agree to the Opt-In terms and conditions.
*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.