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Online Banking & Bill Pay

FICO® Scores

On Tap Credit Union members* can view their FICO® Score in Online Banking 

*The FICO® Score reflected on the statement will be for the primary account owner only. FICO® Scores will not be available for members with savings accounts only. 

How to View your FICO® Scores

To view your FICO® Score in Online Banking, sign into your account via the website or the online app and you will see an image on the lower right where you can opt-in. *Should you ever choose to unenroll in receiving your FICO® Scores you will need to login to Online or Mobile Banking. If you are unsure on how to do this, give us a call at 303.279.6414 or 800.770.6414 and we can walk you through the steps. 

Credit Reports and FICO® Scores

When you apply for credit – such as a credit card, auto loan or mortgage – the company from which you’re seeking credit checks your credit report from one or more of the three major consumer reporting agencies (CRAs). In addition to your credit report(s), they will most likely use a credit score, such as a FICO® Score, in their evaluation of risk before lending their money to you. There is more than one type of credit score, but FICO® Scores are used in 90% of lending decisions.

Each lender has its own process and policies for making decisions when reviewing a credit application. Most lenders consider a FICO® Score along with additional information, either from one or more of your credit reports or from supplemental information you provide with your application, such as your income. 

Credit Risk Items that Lenders Generally Pay the Most Attention to:

  • Your FICO® Score
  • Your payment history – to see if you have paid your bills on time
  • Your current debt – to see if you’re able to reasonably take on more debt
  • Whether you have had any collection accounts
  • Any public records, such as bankruptcies or judgments
  • The types of financing you have successfully managed
  • The length of your credit history
  • Recent activity, including new accounts and credit inquiries by other lenders
  • Your income – to determine your ability to make required payments*

Because FICO® Scores are based on the information in your credit reports, it is very important to make sure that the credit report information is accurate. You should review your credit report from each consumer reporting agency at least once a year and before making any large purchases, such as a home or car.

You have the right to obtain one free credit report each year from each of the consumer reporting agencies through Please note that your free credit report will not include your FICO® Score. is the ONLY authorized source to obtain your free annual credit report under federal law. 

How to Obtain Your Credit  Report 

  • Visit to complete an online request form
  • Call 1.877.322.8228 and complete a simple verification process over the phone to request your report
  • Download a request form and mail it to:
    Annual Credit Report Request Service 
    P.O. Box 105281 
    Atlanta, GA 30348-5281

Beware of any other company or website that claims to offer free credit reports! Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program, and in some cases, the “free” product comes with strings attached, like hidden fees or subscriptions to unwanted services.

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*Income, while used by many lenders in credit decisioning, is not included in the calculation of FICO® Scores.

On Tap Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. On Tap 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.

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