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 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!
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:
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:
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:
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.