Credit-score_stacked-phones_800x315STAYING ON TOP OF YOUR CREDIT HAS NEVER BEEN EASIER

With one powerful tool, access your credit score, full credit report, credit monitoring, financial tips, and education.  All of this without impacting your credit score!

You can do this ANYTIME and ANYWHERE and for FREE.
  • Daily Access to your Credit Score
  • Real-Time Credit Monitoring Alerts
  • Credit Score Simulator
  • Personalized Credit Report
  • Special Credit Offers*
  • And More!

The benefits are endless, so there is no need to wait.

Access your credit score and report in our Mobile App and Online Banking.**
LOGIN to Online Banking now to see your Credit Score and More!


* All credit offers subject to credit approval.
** Internet and/or data connection required. Usage fees may apply. Contact your internet and/or wireless provider for details. 


What is Credit Score and More?
Credit Score and More helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score.  It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Does Credit Score and More offer Credit Monitoring as well?
Yes.  Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Is there a fee for Credit Score and More?
No.  Credit Score and More is provided entirely free to BCT clients who use Online Banking or our Mobile App.

Will accessing Credit Score and More “ding” my credit and potentially lower my credit score?
No.  Credit Score and More is a “soft inquiry” that does not affect a credit score.  Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.

How often is the credit score updated?
The credit score will be updated every seven days and displayed in BCT’s Mobile App and Online Banking. You can click “refresh score” as often as every day for an updated credit score.

What if the information provided by Credit Score and More appears to be wrong or inaccurate?
Credit Score and More shows the most relevant information from a credit report.  If you think some information is wrong or inaccurate, you can obtain a free credit report from and then dispute inaccuracies with each bureau individually.  Each bureau has its process for correcting inaccurate information but every BCT Credit Score and More user can “File a Dispute” with Transunion by clicking on the “Dispute” link within BCT’s Credit Score and More.  Transunion will share this with the other bureau, if the inaccuracy is verified.

Why do credit scores differ between the credit bureaus?
Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two score models (FICO and VantageScore) determine credit scores.  Financial institutions use different bureaus as well as their own scoring models.  Over 200 credit report factors may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is identical.