Skip to content

All members with a Pelican State CU Visa® Credit Card will receive their FICO® Score with paper and digital eStatements once per quarter!

What are FICO® Scores?

FICO® Scores are the most widely used credit scores. Each FICO®; Score is a three-digit number calculated from the data on your credit reports at the three major consumer reporting agencies—Experian, TransUnion and Equifax. Your FICO® Scores predict how likely you are to pay back a credit obligation as agreed. Lenders use FICO® Scores to help them quickly, consistently and objectively evaluate potential borrowers’ credit risk.

How do I view my FICO® Score?

If you have a Pelican State CU Visa® Credit Card, your FICO® Score will be included with your paper or digital statements once per quarter.

If you do not have a Pelican State CU Visa® Credit Card, there are several ways to review your credit. You have the right to a free credit report from or 877-322-8228, the ONLY source for your free credit report. Authorized by federal law. Plus, Pelican members have access to free credit check-ups with our Nationally Certified Credit Counselors. For more information, contact us at 1-800-351-4877.

I have a Pelican State CU® Visa, but didn’t receive my score. Why?

You may not receive a score if:

  • You have previously opted out of receiving your scores. You can opt back in by using this form.
  • You are listed as a joint account holder or are an authorized user for the Visa®. The billing statement must be in your name.
  • You recently opened a new account. Scores are sent once per quarter, so only one out of every three statements will contain your score.
  • The Visa® has no recent activity or balance.
  • There is no score available to provide to you.

How are FICO® Scores calculated?

FICO® Scores are calculated from the credit data in your credit report. This data is grouped into five categories; below is a detailed breakdown of the relative importance of each category.

  1. Payment History - Approximately 35% of a FICO® Score is based on this information
  2. The Amounts You Owe - Approximately 30% of a FICO® Score is based on this information
  3. Length of Credit History - Approximately 15% of a FICO® Score is based on this information
  4. New Credit - Approximately 10% of a FICO® Score is based on this information
  5. Types of Credit in Use - Approximately 10% of a FICO® Score is based on this information

Why is this score different from a score that I received elsewhere?

The FICO® Score Pelican State Credit Union provides is FICO® Score 8 based on information from your Equifax credit report based on the “as of” date included with your score. This may differ from scores you obtain from other sources that may have been calculated at a different time using information from a different credit bureau or even a different score model. If you have additional questions regarding the FICO® Score model and how it’s calculated, please refer to the Frequently Asked Questions about FICO®Scores and Understanding FICO® Scores links under the “More Resources” section below.

I disagree with my FICO® Score or Key Factors. What do I do?

Your FICO® Score and Key Factors included with your Pelican State Credit Union Visa® credit card statement were provided to Pelican State Credit Union as they correspond to information within your Equifax credit report based on the calculation date (i.e., “as of” date). If you feel this information is inaccurate, you can request a free annual credit report from Equifax at If you have additional questions after reviewing, please contact Equifax at the number provided within your credit report. You will be able to speak with a representative for additional help and be sure to have the reference number included with your credit report when speaking with Equifax.

More Resources

Have more questions about credit, your FICO® Scores or even your household budget? Financial Wellness Check-Ups and Counseling are completely FREE to all Pelican members! For more information, contact us at 1-800-351-4877.

Opt Out of FICO® Score Program

If you are a member with a Pelican State CU Visa® Credit Card and you would like to opt out of receiving your FICO® Scores each quarter, please click here to submit your request.

Opt In to FICO® Score Program

All members with a Pelican State CU Visa® Credit Card are automatically opted into this free service. If you have previously opted out and would like to start receiving your FICO® Scores again, click here to submit your request.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

FICO® Scores are intended for the primary account holder and are only provided if a FICO® Score is available. Disclosure of this score is not available for all Pelican State Credit Union products, and Pelican may change or discontinue this benefit at the credit union’s sole discretion. Pelican State Credit Union takes no liability for your use of this information. FICO and Pelican State Credit Union are independent entities and not legally affiliated.

Pelican State Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services, advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Pelican State Credit Union offers free credit counseling to all members. Credit counseling is not intended to give you financial advice, but the financial education you need to make informed decisions. Results may vary. Pelican and its employees are not responsible for any claim, suit, action or damage resulting from credit counseling.