OnePay has partnered with TransUnion®, one of the three major consumer credit bureaus, to give you free weekly updates in your app about your credit score. The credit score provided by OnePay is your VantageScore 4.0®. 1 Several factors may impact your credit score, such as payment history, credit usage, credit age, recent credit, and available credit. With the OnePay app, you can stay up-to-date and learn what impacts your credit score.

How is a credit score calculated?

VantageScore 4.0® is a consumer credit score model that ranges from 300 to 850. It’s calculated using your credit report from TransUnion®, one of the three major credit bureaus. Learn more about what makes up a credit score.

How do I sign up for Credit Score?

If you are new to OnePay, you can get Credit Score for free by downloading OnePay and signing up through the app. If you are a current OnePay Cash or OnePay Loans customer, you’ll see the option to enable Credit Score under the Discover More section in the OnePay app.

What is a good credit score?

What is considered a “Good” VantageScore 4.0® credit score is anything between 661 and 720, while anything from 721 to 850 is considered “Excellent.” Learn more about the VantageScore 4.0® categories.

What do I need in order to sign up?

To sign up for Credit Score, you must be at least 18 years old, have a U.S. based physical residential address and mobile phone number, and have a Social Security number. We do not accept ITIN. In order to sign up, you’ll need to provide your full legal name, U.S. physical address, date of birth, Social Security number, mobile phone number, email address.

Does checking your credit score lower it?

No, using Credit Score to monitor your credit in the OnePay app will not affect your credit score.

Is there a fee to view my credit score?

No, OnePay provides Credit Score for free.

Is OnePay Credit Score the same as One Credit Score?

Yes! OnePay Credit Score was formerly named One Credit Score.

Your score, with no fees attached

Get real time insights into your credit with Credit Score.¹

Meet the simple, free way to check your credit. Sign up with no impact to your score. Get an in-depth look at your credit accounts, score factors, and credit history — all in one place. Know where you stand, and see where you can improve, with Credit Score.

How it works

See your latest score
After you sign up, open the OnePay™ app and go to Credit Score anytime to check your latest, most up-to-date credit score.¹
Track changes
over time
See your credit score history and understand how your score has changed over time.
Get personalized details about your score factors
Get to know the factors that impact your credit score and where you net out with each of them.
See the accounts that impact your credit
Get details about your credit accounts and learn how they connect to your score factors.

Get to know your credit

In-depth overviews
Get a detailed overview of your credit score and the factors that impact it.
Complete credit history
View the credit accounts that are affecting your score.
Reliable
updates
Get regular updates on your accounts when you need them.

Take control of your credit

Build your credit with zero fees, zero interest, and zero stress. Get access with OnePay Cash+.²

A phone showing the Credit Builder Loan screen in the OnePay app.

A customer holding a phone showing the credit score wheel in the OnePay app.

Why is credit important, anyway?

You’re more than your score, but the truth is that a stronger credit score can open up new doors for your finances and your life.

Think lower insurance premiums, higher credit card limits, better car insurance rates, an easier time getting approved for apartments homes, and car loans, and more.