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Bright Track

A free and easy way to keep an eye on your credit score

It’s easier to reach your goals (own a home, buy a car and even get a job) when you have good credit. Bright Track is a free tool in Shine Online and Mobile Banking that helps you monitor your credit report and score and watch for signs of identity theft. Sign up or log in to Shine to get started.

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What's it all about?
  • Quickly evaluate all areas that make your credit score.
  • Get access to personalized money-saving recommendations.
  • Learn why your credit score falls where it does.
  • Simulate how financial decisions might affect your score.
  • Get tips on ways to improve your score.
  • Oh, and did we mention it’s a free, member-only perk?

Here's how to get started:

Step 1: Log in to your Shine Online or Mobile Banking account.
Step 2: Click on Bright Track under ‘My Perks’.
Step 3: Read and accept the terms and conditions of use.*
Step 4: Answer a few questions to verify your identity.
Hint: These are questions from your credit report and are only answers you should know.

That’s it! 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.

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*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 a 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

Tips To Improve Your Credit

Tips to improve your credit

Learn how to improve, maintain and monitor your credit score—and why your credit matters.

Learn more about tips to improve your credit

Credit-building Tools

Credit-building tools

See how a credit card can be used as a tool to build your credit.

Learn more about credit-building tools

For wherever life takes you.
Download the Shine Mobile Banking app.

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