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myScore Plus


Your Credit Score & More

Get the full picture of your credit score1, how it adds up, and what you can do to improve it. As a part of the Civic mobile app2 and online banking, myScore+ gives you the current situation and the actions you can take to help improve your credit score with payments.

Knowledge is Power

It’s part education and part data to help empower you to improve your behavior with credit. And it’s all complimentary from Civic.

myScore+ Credit Score
myScore+ Credit Report
myScore+ Credit History

How to get started with myScore+:

1. Open the Civic mobile app2 or log in to online banking

2. Click the More button on mobile or the myScore+ card on desktop

3. Click “myScore+” if on mobile

4. Agree to terms & conditions

myScore+ How To Use

Credit score calculation

Main parts of your credit score calculation:

  • Payment history
  • Credit usage
  • Total balances
  • Credit age
  • Recent credit

But how do these translate to your unique situation? Download the Civic mobile app2 and click myScore+ to get the information you need to help build and maintain good credit.

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You know that details matter. [and you are in good company.]

Here are a few frequently asked questions:

View All FAQs


1 The credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with Civic Federal Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.

2 Message and data rates may apply.