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Thank Use EligibleIt’s easier to qualify for better rates on both loans and insurance when you have a good credit score. Start monitoring and improving your credit score today with Bright Track — a free online tool for Dupaco members! Bright Track complements the one-on-one, personal service provided by Dupaco credit experts through Credit History Lessons and Credit Coach.

Learn more about credit scores and why they’re so important.

What is Bright Track?

Bright Track is a tool in Shine Online Banking that helps you monitor your credit report, allowing you to better guard against identity theft and keep tabs on your financial life to pay less and save more.

  • See the average credit score for your ZIP code.
  • Access your current credit score and report
  • Understand why your credit score falls where it does.
  • Get tips on practical ways to improve your score.

Here’s an example of the valuable credit score information you can access through Bright Track:

Bright Track Credit Score Monitoring screen capture

Letter grades for each of the five credit score components show how you’re doing. Plus, you’ll see action items to help you maintain or improve your score!

Getting Started

Bright Track is a special tool just for Dupaco members. It is available to personal account holders aged 18 or older. Enrollment and access is easy  Bright Track via Shine Online Banking. Follow these simple steps to get started:

  1. Log in to Shine Online Banking.
  2. Click on the Bright Track graphic located on the right side of your Account Summary page.
  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.

You’re ready to go! Now you’ll see your credit score on your account summary page each time you log in to Shine. To see details and recommendations, just click on your score.

Want to know more? See Frequently Asked Questions about Bright Track.

*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 or disable Bright Track access within Shine via the Profile tab. If you do not want to disable Bright Track, then no action is required.

Not Dupaco member?

Open a Dupaco Share Savings account with as little as $25 and you’ll automatically become the newest Dupaco member-owner! In addition to Bright Track, a Dupaco membership gives you immediate access to many more benefits and perks. Opening your account is simple — follow the secure link below or stop into your nearest Dupaco branch.

Join Now

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