Bright Track Credit Score

Free access to your credit score with Dupaco's Bright Track

Stay on the right track for a financial future that's bright. Dupaco's Bright Track provides you access to your credit score and tools to help you improve your score—accessible within Shine Online Banking! Bright Track is available to you as a free benefit of your credit union membership.

Coupled with Dupaco's other credit improvement tools like one-on-one Credit History Lessons and credit-building loans, you’ll be able to lift your credit score and keep it there with Bright Track.

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!

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

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. 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.

Why does Dupaco offer this at no cost to members? As a not-for-profit financial cooperative, it's our goal to help you save more and pay less, and to see you achieve financial sustainability.

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 (12)
ghost account
Galen
 • 85 days 1 hr 37 mins 8 secs ago
Bright track is showing that Trans Union is reporting a delinquent Citi Cards account. I did not recognize the amount. Bright Track does not show the full account number in the notice. I called Citi Cards and they do not show any account in my name for that amount. I called Trans Union and they do not show any account with that amount so nothing to dispute. Both sides agree so now what? How do I get more information from Bright Track?
 

Re: ghost account
Dupaco Moderator
 • 84 days 5 hrs 4 mins 40 secs ago

Hi Galen, If you see lines of credit that aren’t yours, or have balances that are wrong, there is a link within BrightTrack to file a dispute with TransUnion, the credit bureau that provides Bright Track its credit information.

 

ghost account
Galen
 • 85 days 1 hr 37 mins 8 secs ago
Bright track is showing that Trans Union is reporting a delinquent Citi Cards account. I did not recognize the amount. Bright Track does not show the full account number in the notice. I called Citi Cards and they do not show any account in my name for that amount. I called Trans Union and they do not show any account with that amount so nothing to dispute. Both sides agree so now what? How do I get more information from Bright Track?
 

Re: ghost account
Dupaco Moderator
 • 84 days 5 hrs 4 mins 40 secs ago

Hi Galen, If you see lines of credit that aren’t yours, or have balances that are wrong, there is a link within BrightTrack to file a dispute with TransUnion, the credit bureau that provides Bright Track its credit information.

 

Cookies
Anita
 • 146 days 21 hrs 59 mins 11 secs ago
I've tried enabling cookies on my computer, but the Dupaco page still says I need to enable cookies in order to see my credit score. I use Edge because Internet Explorer keeps crashing. Help!
 

Re: Cookies
Dupaco Moderator
 • 143 days 12 hrs 23 mins 29 secs ago

Hi Anita, we'll have someone from our IT department reach out to you.

 

Credit score
Salina
 • 199 days 7 hrs 38 mins 44 secs ago
Is there a way to see what agency we owe? A full credit report???
 

Re: Credit score
Dupaco Moderator
 • 179 days 10 hrs 31 mins 8 secs ago

Hi Salina, you can get a full credit report by stopping into one of our branches. Bright Track is not a full credit report.

 

Free credit report
paula a
 • 277 days 1 hr 46 mins 46 secs ago
I can not find any graphic to click when I get into my account that would direct me to a free credit report.
 

Re: Free credit report
Dupaco Moderator
 • 277 days 1 hr 29 mins 43 secs ago

Hi Paula, once you log into Shine Online Banking, you should see a graphic on the right sidebar that says "In your zip code, the average credit score is..." This is the graphic to select in order to access Bright Track.

 

bright track
Jim F.
 • 279 days 13 hrs 11 mins 17 secs ago
tried clicking on graphic nothing happened looked at profile not disabled. Why doesn't this work?
 

Re: bright track
Dupaco Moderator
 • 277 days 12 hrs 31 mins 57 secs ago

Hi Jim, I have reached out to our technology department to see about troubleshooting this issue. Sometimes, the graphic can be picky, and you have to click on the "See Details" to get it to open.

 

credit score
Coralie L
 • 298 days 8 hrs 42 mins 12 secs ago
I have checked my credit score from all three credit bureaus and you are so wrong. Why are you so low?
 

Re: credit score
Dupaco Moderator
 • 297 days 9 hrs 45 mins 29 secs ago

Hi Coralie, There are three major credit reporting bureaus—Equifax, Experian and Transunion—and two scoring models— FICO and VantageScore—that determine consumers’ credit scores. Each model may weigh credit factors differently, therefore no scoring model is identical. Bright Track credit scoring uses Vantage Score, while Dupaco uses FICO to assist in making lending decisions.

 

look up my score
Shaina
 • 302 days 7 hrs 4 mins 49 secs ago
Is there a limit to how many times you can look at your updated credit score?K
 

Re: look up my score
Dupaco Moderator
 • 301 days 10 hrs 58 mins 48 secs ago

Hi Shaina, there is no limit on the number of times you can look at your score on Bright Track because it is considered a “soft inquiry”. However, Bright Track credit scores are only updated every 30 days, so within 30 days of the last update, you will not see a change.

 

Credit Questions
Tina R
 • 303 days 10 hrs 14 mins 49 secs ago
Who can I contact to take a look at my credit. I thought I have been doing everything right then today my credit dropped drastically.
 

Re: Credit Questions
Dupaco Moderator
 • 303 days 5 hrs 18 mins 15 secs ago

Hi Tina, you can contact our Member Service department anytime about credit questions at 800-373-7600, ext. 206. In the meantime, we will have someone reach out to you. Thanks!

 

Credit Score
Sherry D
 • 351 days 1 hr 54 mins 8 secs ago
My husband and I have a joint checking/savings account. We were able to access his free credit score through Bright track but I have not been able to access mine. Is there a way where we both can benefit from this feature? If so, how would we go about accessing my credit score? Thank you.
 

Re: Credit Score
Dupaco Moderator
 • 350 days 11 hrs 3 mins 17 secs ago

Hi Sherry, in the case of joint accounts, when you sign up for Bright Track right from Shine Online Banking, it will default only to the primary account holder. For the secondary account holder to benefit from this service, please go to www.savvymoney.com/brighttrack and sign up. It will also be free, like with Shine.

 

Bright Track
Judith
 • 351 days 8 hrs 5 mins 35 secs ago
Nothing happens when I click on the Bright Track Graphic.
 

Re: Bright Track
Dupaco Moderator
 • 347 days 9 hrs 14 mins 59 secs ago

Hi Judith, the graphic should be working now. If not, make sure your cookies are enabled. Thanks!

 

Bright track
Member
 • 352 days 2 hrs 37 mins 20 secs ago
When is bright track going to be available to use?
 

Re: Bright track
Dupaco Moderator
 • 351 days 9 hrs 2 mins 1 sec ago

Bright Track is now available to all Dupaco members. You will see it on the right-hand sidebar once you log into Shine Online Banking.

 

Which one?
Paul
 • 366 days 6 hrs 13 mins 41 secs ago
Curious which credit bureau are you using, and what version of it? This matters because if it is a less relevant scoring model (like the one credit karma uses) then the score is basically useless when compared to what the prospective lender is using.
 

Re: Which one?
Dupaco Moderator
 • 365 days 9 hrs 19 mins 33 secs ago

Bright Track receives data from TransUnion, and uses the VantageScore credit scoring model. Dupaco does not use this scoring model to make lending decisions - in fact, Dupaco uses a different scoring methods for different types of loans. Despite the differences between models, Bright Track is still relevant to members because over time, you can monitor your score consistently using this one model, to see whether your score is trending up, down, or staying constant. That trend is a better indicator of your overall credit health moreso than the score itself. And, for a deeper dive into your credit and how to improve or hold your score, Dupaco offers free Credit History Lessons, if you are interested. Thanks!

 

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