Personalized Credit Analysis


Credit Score Enhancement and Analysis

Your credit score is vital to your financial success, and Florida Credit Union is committed to getting you on track for a better financial future. We offer free credit counseling to help identify your best methods for reducing debt, making on-time payments and enhancing your credit limits. 

Typically, the higher your credit score, the more money you’ll save, so make the life-changing decision to become informed about your credit score and take steps to improve it!

A free credit report analysis takes less than 30 minutes! All you have to do is:

  1. Be an FCU member
  2. Visit your local FCU branch
  3. Bring your ID 

A FCU representative will review with you your credit report and will help you find ways to improve your credit score, lower your monthly payments and eliminate high-interest debt, putting you on a path toward your lifelong financial goals.

Find a Branch

Credit score

Get Your FICO® Score Monthly

A free benefit for our members

Your credit score is important. It can affect more than just your loan interest rates. That's why we want to give you access to your score whenever you want – all for free.


  • Bad Credit
    Credit Score

    Mon. May 02, 2022 / 3:02 PM

    Do You Have Bad Credit? How to Identify and Take Steps to Correct It

    4 min. read

    It’s common to find yourself in a challenging credit situation. Between store credit cards, loans and debt, developing bad credit can be a fast and slippery slope. While a less-than-ideal credit score can make you feel defeated, remember that there are actions you can take to revive your credit score and get your finances back on track. Keep reading to learn more about what your credit score means and how you can take meaningful steps to a better score.
    Learn more
  • computer showing the words credit score
    Credit Score

    Mon. Oct 18, 2021 / 12:36 PM

    What is a FICO® Credit Score and Why Should You Care?

    2 min. read

    If you’ve ever applied for a loan, you know about the value that financial institutions place on your credit score. While far from the only factor that is evaluated, your credit score provides lenders with quick insight into your financial history. A credit score is derived from your credit report, which you can think of as your history with credit: your payment history, how long you’ve had credit, your utilization and much more.
    Learn more
  • credit score image
    Credit Score

    Thu. Sep 23, 2021 / 12:44 PM

    4 Steps to Rebuild Your Credit and Qualify for a Personal Loan

    4 min. read

    Rebuilding your credit score can be more complicated than starting from scratch, mainly because you have to prove to credit card issuers and lenders that you can and will make future payments despite slip-ups in the past. If you're not sure where to start, follow our four-step plan to begin your journey toward financial freedom.
    Learn more