As a service to our members, WyHy provides your quarterly credit score through Online Banking. If you use WyHy's Mobile Banking, you can find your current FICO score as one of the main menu options. These are FREE services for our members, allowing you to have access to your credit and FICO scores without showing as an inquiry on your credit. That's right — providing these scores will not affect your credit and is for informational purposes only!

What's the difference between a credit score and a FICO score?

Credit scores influence the credit that's available and the terms (interest rate, etc.) that lenders may offer. It's a vital part of credit health.

When you apply for credit—whether for a credit card, an auto loan, or a mortgage— lenders want to know what risk they'd take by loaning money. When lenders order a credit report, they can also buy a credit score that's based on the information in the report. A credit score helps lenders evaluate a credit report because it is a number that summarizes credit risk, based on a snapshot of a credit report at a particular point in time.

The most widely used credit scores are FICO scores, the credit scores created by Fair Isaac Corporation. Nearly 90% of top lenders use FICO scores to help them make billions of credit-related decisions every year. FICO scores are calculated based solely on information in consumer credit reports maintained at the credit reporting agencies.

By comparing this information to the patterns in hundreds of thousands of past credit reports, FICO scores estimate your level of future credit risk.

How do I find my credit or FICO score within WyHy?

The credit score can be located within Online Banking under Services > Credit Score and are updated on or around the first day of each new quarter (January, April, July and October).

If you use Mobile Banking, you can find your FICO score at any time by simply clicking on the FICO Score 1 on the menu options to see your FICO score.

What are the advantages of having my credit score?

• Knowing your credit score means you are aware of your finances
• You can be better equipped to manage your credit score, especially since several companies depend on your credit score to conduct business
• You can detect identity theft with your credit score
• Managing your credit score means better financial options for you

Click here to learn more about credit scores & FICO scores.