FICO Credit Score and Online Credit Report is a snapshot of customers credit risk picture at a particular point in time. The higher customer FICO credit score, the lower the risk to lenders. Fair Isaac Corporation develops the mathematical formulas used to produce FICO scores. FICO offers FICO score monitoring products and reports. Union Plus offers a 15% union discount through myFICO® and offer savings on any myFICO products - including credit scores, credit reports, ID fraud or identity theft protection and personalized score explanation. Customers can get their credit score through FICO® Credit Complete and FICO® Standard products. myFICO credit score also offers monitoring tools such as Score Watch, Suze Orman's FICO Kit Platinum and FICO Quarterly Monitoring.