Bright Track Credit Score

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

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!

Join today!

 The Dupaco Great Credit Race. 14 racers battle to build credit muscle and the chance to win $1,000! Click to follow the racers

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.

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.

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