Credit History Lessons

When it comes to your personal credit history, it pays to understand and know your score. A free Credit History Lesson from Dupaco will teach you how to drive up—and maintain—your credit score, consolidate debt, and pay less.

Anyone can benefit from a Free Credit History Lesson

We help members with past credit difficulties reduce interest rates, eliminate fees, and get back on the road to financial success by improving their scores. For those with no credit history, we can create a road map for establishing good credit. It's also important to understand how to maintain your credit score so when it comes time for you to borrow money—for a home, car or to pay for college—you may qualify for the lowest possible interest rate.

How does a credit score impact what you pay?

Many lenders—even some insurance companies—make decisions and charge rates based on your credit score, which is calculated by credit bureaus. During a Credit History Lesson, we'll sit down with you to review your credit report and provide confidential coaching tips on how you can improve your score. That's right—we're a financial institution that will actually teach you how to pay less in interest.

Monitor your credit score for free with Bright Track

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

Not a member yet? No worries! 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!


A number of factors contribute to the calculation of your credit score. Also known as FICO, this number is calculated by credit bureaus and can range from the 300s to the 800s. Dupaco can examine your credit history and help you drive up your score, which will save you money in the long run.

Credit Score Chart

Comments (0)

Post a Comment

Please provide your information. Name and email address are required. Email address will not be displayed with the comment.
Comment Title:
Please enter the code shown in the image

Thank you. Your comment is being reviewed and if approved, will be posted shortly.