What you need to know

What are FICO® Scores?

A FICO® Score is a three-digit number that summarizes your credit risk based on your credit file at one of the three major consumer bureaus at a particular point in time. FICO® Scores are used in 90% of lending decisions. FICO® Scores help lenders evaluate credit risk and can influence the credit that's available and the terms, such as interest rate, that lenders offer.

Does my FICO® Score change every month?

Each time we provide your FICO® Score, it's based on the information in your TransUnion® credit report at that point in time. As the information in your credit report changes, your FICO® Score may also change and we provide it monthly so you can view it over time in the FICO® Score History Chart.

Can I view my FICO® Score more than once a month?

Yes, though your FICO® Score is only updated monthly.

How do I access my FICO® Score?

If you’re a Yesu2can Financial Consulting Group® customer with a membership, you can sign in using your assigned membership ID from your desktop or mobile device to view your FICO® Score.

Will receiving my FICO® Score each month impact my credit score?

No. Viewing your FICO® Score from Online Banking will not impact your score.

How do I improve the health of my credit?

Your FICO® Score considers both positive and negative information in your credit report. Good credit habits like always paying bills on time, keeping balances low, and only opening new credit cards when you need them can all have a positive effect on your financial health.

What exactly is Business Credit?

Credit lines are usually extended to a single person. The available amount depends on their credit score and previous payment history. Business credit is much the same thing, but instead of extending a line of credit to a single person, it’s extended to a business. Many companies rely on this credit to build the foundation of their business. 

What do business trade lines mean?

Business trade lines are lines of credit extended to businesses by their vendors, by which the business receives goods or services for which it agrees to pay at a later date. 

How are Tradelines Established?

Trade lines are often established between a business and a vendor, as opposed to a line of credit offered by a bank. A building supplies store, for example, might order several pallets of pine lumber and agree to pay the lumber mill 30 days after receipt. This enables the business owner to sell the lumber and pay the costs of its stock out of sales revenue. A vendor may pull the company's credit report to decide if it is creditworthy before extending a trade line, and in some cases may review a small business owner's personal credit report, especially if business credit has not been established. 

Terms of Membership Program in Service Agreement

Small Business Credit

At some point, almost every business needs some type of credit. To avoid having to use your personal credit history or guarantees and to obtain the best possible terms, start the steps necessary to build a business credit profile now before you really need it. 

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Know more than your FICO® Score

We think it's important that you have access to tools that help you understand your credit. That's why we're providing a monthly FICO® Score from Experian for free to eligible customers with a membership. 

Get your FICO® Score monthly without negatively impacting your credit score

  • See key factors that are impacting your score 
  • Track your recent scores month-to-month and compare them to national averages
  • Learn about credit and strategies for keeping credit healthy with  Yesu2can Financial Consulting Group®