Credit Karma and other credit score reporting tools may use an Educational Score, which is different from your actual FICO® Score. The purpose of an Educational Score is to provide you with a basic idea of your risk level and credit worthiness. It may be differ from your actual FICO® Score by as much as 40 points and is not used by financial institutions when applying for credit. The score provided to you by Members 1st Credit Union is your actual FICO® Score from a soft credit pull from Experian, the same score used by Members 1st for all account and loan applications. Accessing your FICO® Score from Members 1st does not impact your credit score.