Credit Score is a free service offered to BayPort members that shows your latest credit score, gives you an understanding of the key factors that impact your score, and shows you the latest offers that can help reduce your interest costs. With this new program, you’ll always know where you stand with your credit and learn how BayPort can help you save money.

You’ll receive a monthly update of your credit score. Plus:

• Access to your full credit report
• Credit monitoring alerts
• Tips to improve your credit score
• Learn how you can save money on new loans and existing loans from other financial institutions

No, Credit Score is entirely free, and no credit card information is required to register.

Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car, or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on new and existing loans with BayPort.

Credit Score pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the bureaus to provide consumers a better picture of their credit health.

No. Checking Credit Score is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.

Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from AnnualCreditReport.com, and then pursuing action with each bureau individually.

If your score shown in Credit Score is different than the scores we get from the credit bureaus, simply print out your score and let us know. We will review your information and determine if there is a better offer we can provide you.