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Free Credit Report

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Daily Score

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Credit Monitoring

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Change Alerts

Track your financial health with Credit Score.

To activate BayPort’s newest member benefit, click Credit Score in Mobile or Online Banking.

  • Pull your updated credit score every 24 hours!
  • Set long-term goals like buying a home or saving for vacation.
  • Learn simple actions you can take to improve your credit.
  • Dispute claims easily within the platform.

Log in now

or, open your BayPort CU mobile app.

Credit Score by SavvyMoney dashboard

Helpful Tips

Need to improve your score?

Errors on your credit report can negatively affect your score and ability to get a loan, rent an apartment, and even get a job. Credit Score shows you what affects your score, how you can save money, and how you can build or repair your credit. The best ways to improve are to:

  • Pay bills on time
  • Use less than 30% of your available credit
  • Monitor your credit report

Get help face-to-face.

If you prefer more guided personal assistance, attend a free financial wellness workshop. From Budget like a Boss to Paying Down Debt, our financial educators can help you get back on track.

Up next:

Mar 10

5 Factors that Make up Your Credit Score

March 10 @ 9:00 am - 10:00 am EDT

Frequently Asked Questions

What is Credit Score?

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.

What do I get from Credit Score?

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

Is there a fee?

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

Why is BayPort offering this free service?

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.

What’s the difference between Credit Score and other credit scoring offerings?

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.

Will accessing Credit Score ‘ping’ my credit and potentially lower my score?

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.

What if the information provided by Credit Score appears to be wrong or inaccurate?

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 Annual Credit Report.com, and then pursuing action with each bureau individually.

Will BayPort honor my score in Credit Score for loan applications?

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.

What's your credit score?

With one click, you can check your score and see personalized tips for credit score improvement. Find out what you’re doing well and what needs to change.

Check now

Live in Mobile & Online Banking!

(757) 928-8850 · (800) 928-8801

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties, and is not responsible for these websites, their content, or availability.

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