Bayport Credit Union: A Smarter Way to Bank
Scheduled Maintenance:

Due to scheduled maintenance, Online Banking, STAR Audio, eBusiness, Remote Deposit Capture, and Mobile Banking will be temporarily unavailable on Sunday, November 18, 2018 between 1:30AM to 8:00AM.

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BayportCU

Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Your FICO® Score

BayPort now offers you the ability to access your FICO® Score through Online and Mobile Banking. FICO® Scores are based on information from your credit report. BayPort providing your FICO® Score will never impact the score.

A FICO® Score is a three-digit number calculated from the credit information on your credit report at a consumer reporting agency at a particular point in time. It summarizes information in your credit report into a single number that lenders can use to assess your credit risk quickly, consistently, objectively and fairly. Lenders use the FICO® Score to estimate your credit risk – how likely you are to pay your credit obligations as agreed. It helps you obtain credit based on your actual borrowing and repayment history, without consideration of prohibited types of information such as race or religion.

How is My FICO® Score calculated?

FICO® Scores take into consideration five main categories of information in a credit report. The chart below shows the relative importance of each category to FICO® Scores.



Learn more about understanding your FICO® Score.

The score used by BayPort Credit Union is the FICO® Score 5 based on EQUIFAX data, and is the same score that BayPort Credit Union uses, along with other information, to manage your account. This information is intended for and provided to primary members only that have an available score. See FICO Score FAQs about the availability of your score. BayPort and other lenders may use different inputs like a FICO Score, other credit scores and more information in credit decisions.

What is a good FICO® Score?

Why is My FICO® Score different than other scores I've seen?

There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, but different lenders (such as auto lenders and credit card lenders) may use different versions of FICO Scores. In addition, your FICO Score is based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO Scores. The FICO Scores that are being made available to you through this program are the specific scores that we use to manage your account. When reviewing a score, take note of the date, bureau credit file source, score type, and range for that particular score.

Why does my FICO® Score fluctuate/change?

There are many reasons why your score may change. FICO Scores are calculated each time they are requested, taking into consideration the information that is in your credit file from a particular consumer reporting agency at that time. So, as the information in your credit file at that bureau changes, your FICO Scores can also change. Review your key score factors, which explain what factors from your credit report most affected a score. Comparing key score factors from the two different time periods can help identify causes for changes in FICO Scores. Keep in mind that certain events such as late payments or bankruptcy can lower your FICO Scores quickly.

How often will the FICO® Score be updated?

BayPort will update FICO Scores quarterly.

Must be a current BayPort Online or Mobile Banking user.

The score used by BayPort Credit Union is the FICO® Score 5 based on EQUIFAX data, and is the same score that BayPort Credit Union uses, along with other information, to manage your account.  This information is intended for and provided to primary members only that have an available score. See FICO Score FAQs about the availability of your score. BayPort and other lenders may use different inputs like a FICO Score, other credit scores and more information in credit decisions. This benefit may change or end in the future.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. BayPort and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. BayPort and Fair Isaac do not provide “credit repair “ services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating.