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What Does Your Credit Score Say About You?

Whether you are looking to buy a car, refinance a mortgage or rent an apartment for the first time, your credit score can tell a lot about your financial history. Your FICO® score is a number formulated based on your credit history. It helps lenders evaluate your credit risk. Several factors go into your score, including payment history, amounts owed, length of credit history and types of credit used.

What's a Good Credit Score?
Your FICO score is rated on a scale of 300-850. You want a high score, because a good credit rating can help you obtain better rates on all of the major purchases that life brings, including a car, home and credit cards.

To improve your credit score, follow these tips:

1. Keep current on all your payments. This is the biggest thing you can do to boost your credit score. Be sure to pay your bills on time each and every month.

2. Avoid closing old accounts. It diminishes your total credit available and can raise your credit utilization ratio.

3. Don't open new accounts. This can look like you plan to borrow a lot of money, which could stretch your finances too thin.

4. Settle all fines and tickets. An outstanding library fine or parking ticket can reduce your score if a collection agency gets involved.

5. Check your credit report for errors. Your credit score is based on the information included in your credit report, so it pays to review it for inaccuracies. Federal law entitles you to a free copy of your report once every 12 months from each of the three major credit bureaus. Your credit score is also available for an additional charge. Simply go to or call 877-322-8228.

For more information on how SCCU can help you with your financial needs, contact us today.

Websites not belonging to this organization are provided for information only. No endorsement is implied.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2015



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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.