Bright Track Credit Score and Report

Free access to your credit score and credit report with Bright Track

As a not-for-profit financial cooperative, it’s Dupaco’s goal to help members achieve financial sustainability.

With Dupaco Bright Track, members can stay on the right track managing their credit score and report so they can pay less and save more. Bright Track launched in 2016 to provide members access to their credit score— and tools to improve it—within Shine Online and Mobile Banking.

The program is a free benefit of Dupaco membership.

Bright Track complements the one-on-one, personal service already provided by Dupaco credit experts through Credit History Lessons and Credit Coach loans. It’s one more tool to help members build or improve their credit scores—and gain access to better rates for both loans and insurance.

Not a member yet? No problem! Open a membership with Dupaco at any branch or by joining online.  Once you are a member, you can benefit from the many products and services that Dupaco has to offer, including Bright Track!

Join today!  Log in to Shine today!

 The Dupaco Great Credit Race. 14 racers battle to build credit muscle and the chance to win $1,000! Click to see who won.

Bright Track is a smarter way to look at your credit score and credit report

Along with your credit score, Bright Track provides you information on why your credit score falls where it does, and provides you practical ways to improve upon it.

In addition, Bright Track also allows you to review your credit report, allowing you to better guard against identity theft and keep tabs on your financial life to pay less and save more.

For your credit score, Bright Track assigns a letter grade to each of the five components that make up your score, and action items to help you understand what you should do to improve or maintain your score.

Why does this matter? It matters because your credit score can be used by:

  • lenders (in figuring out how much interest you'll pay)
  • insurance providers (to determine your rate)
  • landlords (to assess your ability to pay your rent)
  • employers (to aid in determining personal integrity and responsibility)

As you can see, your credit score affects several aspects of your life. The lower your score, the higher the likelihood you'll pay more for credit and other services, or be denied credit until your score improves.

Here is an EXAMPLE of the credit score information a member may see through Bright Track:

 Bright Track credit score monitoring from Dupaco



Getting started using Bright Track

Members with a personal account who are age 18 or older have access to Bright Track within Shine Online Banking. Follow these simple steps to begin seeing your credit score:

  1. Log into Shine Online Banking.
  2. Click on the graphic on the right side of the page that states, "The average credit score in your area is XXX, what’s yours?"
  3. Read and accept the terms and conditions of use.
  4. Answer 3-4 questions to verify your identity. These questions are from your credit report and are answers only you should know.
  5. Once you’ve verified your identity, you now have access to Bright Track! Upon future login to Shine, you'll see your credit score on the account summary page, and can click on your score for more information. 

Important information

If you accept Bright Track's terms and conditions of use within your Shine Online Banking account, AND you shared your Shine login credentials with your joint account owner, spouse, friend, or family member, that person will be able to view your Bright Track credit score information. To DISABLE Bright Track access within your Shine Online Banking account, please contact us at 800-373-7600, ext. 0, OR you can disable Bright Track access on your account within Shine via the Profile tab. If you do not want to disable Bright Track, then no action is required.

Comments (3)
Spouse Account
 • 190 days 15 hrs 28 mins 32 secs ago
How do we set up an account for my spouse?

Re: Spouse Account
Dupaco Moderator
 • 189 days 20 hrs 27 mins 6 secs ago

Hi Susan, we will have a member service representative reach out to you. Thanks!


Spouse Account
 • 190 days 15 hrs 28 mins 32 secs ago
How do we set up an account for my spouse?

Re: Spouse Account
Dupaco Moderator
 • 189 days 20 hrs 27 mins 6 secs ago

Hi Susan, we will have a member service representative reach out to you. Thanks!


Joint account
 • 206 days 19 hrs 5 mins 35 secs ago
Hi, I was wondering the same thing. We have a joint account as well, only his information is available on Bright Track, how do I get mine available?

Re: Joint account
Dupaco Moderator
 • 204 days 15 hrs 57 mins 36 secs ago

Hi Rebecca, Bright Track shows information for the primary account holder on a joint account. Therefore, you will have to have a separate account to get your own information. We'll have someone reach out to you here shortly!


Bright Track credit score
Darlene K.
 • 233 days 16 hrs 41 mins 46 secs ago
I currently use the Bright Track credit score but I would like to get my husbands credit score also. We are both on all the accounts. Is it possible to get his set up to access his credit score?

Re: Bright Track credit score
Dupaco Moderator
 • 232 days 19 hrs 53 mins 51 secs ago

Hi Darlene, in the case of joint owners on an account, Bright Track is set up for the primary owner. We will have someone reach out to you about having your husband set up with his own account so that he can have access to Bright Track. Thanks!


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