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Understanding Your
Credit Score

Your financial wellness is important to us, and understanding your credit score helps you improve it. A credit score predicts how likely you are to pay back a loan on time, based on information gathered on your credit reports.

Companies use the data on your credit report to derive your credit score. This information includes:

  • Your bill-paying history
  • Current unpaid debt
  • The number and type of loan accounts you have
  • How long you have had your loans open
  • How much available credit you’re using

Reviewing your credit reports regularly helps you identify any issues that could lower your credit score. By federal law, you are entitled to one free credit report each year by each of the three major U.S. credit reporting bureaus. Visit www.annualcreditreport.com to get started.

What is a Credit Score?

What is a Vantage Score?

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Travis Credit Union has partnered with VantageScore to make access to credit more equitable. More than 220 million consumers check their free VantageScore credit report regularly to become more financially empowered and educated.

Frequently Asked Questions

What is VantageScore 4.0?

VantageScore 4.0 is a tri-bureau credit scoring model from VantageScore Solution, which leverages machine learning and trended data attributes.

Are collections/liens included in the calculation of the VantageScore?

Although public records are still included in the calculation of the score, other attributes are weighted more heavily and do not impact the score as much as they did previously.

Will the score be the same for TransUnion and Equifax?

Yes – the score is designed to score the same to all three credit bureaus.


FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Travis Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Travis 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.

The “VantageScore YouTube” links are provided as a convenient connection between the websites belonging to Travis Credit Union and its business partner. The policies and procedures in use at our business partner may differ from those in use at Travis Credit Union. Travis Credit Union is not responsible for the content contained in our business partner website.

Forbes Top 10 Credit Unions in California Award
Desjardins Financial Education Award, 1st place nationwide, adult and youth
US Air Force Distinguished Credit Union of the Year
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