Attention Harrison Federal Credit Union Members
Don't forget to update your direct deposit and/or automatic payments with your new AACU account information before December 31. For more information about this, CLICK HERE.
Routt Federal Credit Union Members - As of December 2, the Routt Federal Credit Union Data Conversion is complete and Routt Federal Credit Union Members are now AACU Members. For more information about what comes next, CLICK HERE.
FICO® Scores are one of many factors nearly all lenders in the U.S. consider when they make key credit decisions. In fact, a US News and World Report article stated that “The FICO® Score is the No. 1 piece of data to determine how much you’ll pay on a loan and whether you’ll get credit.”
FICO® Scores take into consideration five main categories of information in a credit report. The chart below shows the relative importance of each category to FICO® Scores.
35%- Payment History
30%- Amount Owned
15%- Length of Credit History
10%- Credit Mix
10%- New Credit
800 or higher: Exceptional borrower
740–799: Very good borrower
670–739: Considered good
580–669: Fair borrower
579 or less: Poor borrower
FICO® Scores are used by thousands of creditors including the largest lenders, making it the most widely used credit score.
When you accept new credit and manage it diligently by consistently paying as agreed, you demonstrate to lenders that you represent a good credit risk. Lenders use your credit history as a way of evaluating how well you’ve managed your credit to date.
You have the right to obtain one free credit report each year from each of the consumer reporting agencies.
Please note: Your free credit report will not include your FICO® Score.Get Your Credit Report
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Air Academy Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Air Academy Credit Union 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.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.