OnePay Credit Score
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In this article
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In this article
What factors affect my credit score?#
To learn more about what makes up a credit score, see Understanding your credit score: a quick guide for our customers.
How does it work?#
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 One is your VantageScore 4.0®. 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.
You can tap here to learn more about Credit Score in the OnePay app.
How do I get my credit score at OnePay?#
If you are new to OnePay, you can get your credit score at OnePay by scanning the QR code on onepay.com with your mobile phone, or by downloading the OnePay app from the App Store or Play Store and tapping the “Join OnePay” button in the app.
If you are a OnePay customer you will see the option to enable OnePay Credit Score under the Your Services section within the OnePay app.
Tap here to enable Credit Score in the OnePay app.
What are the eligibility requirements to see my credit score?#
If you are new to OnePay and signing up for OnePay Credit Score, you must be at least 18 years old, have a U.S. based physical residential address and mobile phone number, and be issued a Social Security number to see your credit score with OnePay. We do not accept ITIN.
What information do I need to sign up to see my credit score?#
If you are new to OnePay and signing up for OnePay Credit Score, you’ll need to provide your full legal name, U.S. physical address, date of birth, Social Security number, mobile phone number, email address, and possibly a copy of your government-issued photo ID or a utility bill.
Why wasn’t I able to sign up to see my credit score?#
One uses third-party data sources to verify personal information, and in some cases, we may need to validate your driver’s license or passport during account sign-up. If we’re unable to verify the information provided, we won’t be able to offer you OnePay Credit Score. However, you may still apply for other products at OnePay.
Is there a fee to view my credit score?#
No, OnePay provides your VantageScore 4.0® for free.
Will my credit score be affected by using it?#
No, monitoring your VantageScore 4.0® in the OnePay app will not affect your credit score.
Who is TransUnion® and what is VantageScore 4.0®?#
There are many different ways that credit scores may be 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. See Understanding your credit score: a quick guide for our customers for more information.
Is the credit score provided by OnePay a real Credit Score?#
The credit score shown in the OnePay app is your VantageScore 4.0®. It is a credit score based on your credit report from TransUnion®, one of the three major US credit bureaus. VantageScore is a scoring model developed and maintained by the credit bureaus which is used industry wide; this is not specific to OnePay. Lenders, including us at OnePay, may use this score when they do a credit check. Other lenders or providers may use different credit score models to calculate your score.
How often do I get updates about my credit score?#
OnePay Credit Score refreshes weekly. With the one app, you can stay up to date and learn what impacts your credit score.
How do I hide my credit score?#
From the Home tab of the OnePay app, select Hide Score. You can display your score again by selecting Show Score.
You can also tap here and follow the steps above to hide or show your credit score in the OnePay app.
My credit is locked or frozen, can I still view my credit score?#
Yes. A credit freeze does not prevent credit monitoring services from obtaining your credit score.
Why is the credit score from my other provider different from what I see in the OnePay app? #
There are many different credit score models used in the industry, the score you see in the OnePay app is your VantageScore 4.0® reported by TransUnion®. The score you see in the OnePay app may differ from scores you see from other providers depending on the model and/or credit bureau they used to calculate your score. Additionally, credit bureaus can sometimes take time to receive the latest information from your lenders and your scores may not update immediately.
If you believe your credit score or any details of the data provided on your accounts are incorrect, please contact Transunion's customer support.
How do I unenroll from OnePay Credit Score?#
If you wish to unenroll, please contact OnePay Customer Support or say Agent in chat to be connected to a OnePay Specialist.
The credit score you are reporting is incorrect, how can I fix it?#
There may be variances in the score you see in the OnePay app and the score you see from other providers since there are many different ways of calculating a credit score; however, if you still believe your score is incorrect, you can request a free copy of your full credit report once annually from each of the three major credit bureaus to review for any inaccuracies that could be impacting your credit score. If there are inaccuracies in your credit report, you can dispute them with the creditor directly or with any of the three major credit bureaus. See Understanding your credit score: a quick guide for our customers for more information.
Can I use the available balance shown on the Credit Score screen?#
The available balance shown on the Credit Score screen is the maximum amount of credit available from all your creditors combined when your credit score was last updated. This amount may vary when credit accounts are opened and closed. These funds are unavailable for you to use directly via OnePay.