Question 1

Do I have a good FICO® Score?

Accepted Answer

There are a lot of factors that go into your credit score and understanding what is a “good” score can be subjective. Learn more about credit scores, including how they are calculated, by visiting the FICO website here.

Question 2

Why is the FICO® score you provided different from other credit scores I&#8217;ve seen?

Accepted Answer

Between all three credit bureaus, there are many FICO® scores used by lenders. Scores differ based on the data collected and how the information is stored. You can learn more about the different FICO® scores available by clicking here.

Question 3

How is my credit score determined?

Accepted Answer

The Marine Mobile Banking app will show you the top two reasons why your credit score is listed as it is. This score is updated every three months, so be sure to check the date of the most recent update to see if it’s recent. Additional information on how credit scores are calculated can be found by clicking the “education link” by your credit score. You can find more information about how credit scores are calculated by clicking here.

Question 4

How can I check my credit score?

Accepted Answer

We provide updated credit scores every three months on our free mobile app. Download the Marine app in your Google Play store (for Android devices) or the App Store (for Apple devices).

Question 5

What is a FICO® score?

Accepted Answer

A FICO® score is a 3-digit number that summarizes your credit risk. It is calculated from information on your credit report, which is provided by the credit bureaus. FICO® scores help financial institutions understand the level of risk they would undertake by loaning money to someone. Learn more about credit scores here.

Question 6

Does Get Credit affect my credit score?

Accepted Answer

Yes. If you pay each monthly installment on time, that positive payment history will impact your score. Alternatively, if you do not pay on time and let the account stay dormant, that will also be subject to credit bureau reporting and negatively impact your score. If you are unable to make payments, simply close the account by calling 1.800.923.7280.

Credit Score FAQs Assistance