We support the financial success of our members, and part of that success is having a healthy relationship with credit. That’s why your Happen Bank Member Center comes with tools to help you manage your credit profile, track your TransUnion® Vantage 3.0™ credit score, and see all your loans, credit cards, and other obligations in one place.
How it works
Your Member Center is designed to help you reach your financial goals. Your personalized TransUnion® data seamlessly integrates into our tools, giving you monthly updates about your credit profile metrics*, right alongside your loan status in your Member Center.
Find the Credit Profile tab—which includes information on your credit score, debt-to-income ratio, and credit usage—next to the Home and Credit Cards tabs in Member Center. The Home tab includes details about current and past loans with us. The Credit Cards tab gives you information on credit cards and any outstanding credit card balances.
Credit Profile
Selecting the Credit Profile tab gives you a snapshot of your credit score, debt-to-income ratio, and credit usage, as well as tips and resources to help you manage your credit. Click View next to one of the credit profile metrics to see more details.
Credit Score
We partner with TransUnion® to provide your VantageScore 3.0™, which is typically updated every 30 days. The Credit Score tool gives you guideposts to interpret your score and may provide additional tips and tools to help improve your credit.
Debt-to-Income
The Debt-to-Income tool shows, as a percentage, how much of your income you’re spending on debt obligations each month. The tool compares your total monthly debt obligations with your total monthly income, based on the annual amount you report, to calculate the debt-to-income percentage. Like the Credit Score tool, the Debt-to-Income tool may also offer guideposts to help you reach important credit milestones.
Credit Usage
The Credit Usage tool works like the Debt-to-Income tool, except that it calculates your total credit card balances as a percentage of your total credit limit. VantageScore 3.0™ measures credit card usage separately from other credit factors, and high credit usage can impact your credit profile, which is why there’s a separate tool to track it.
Improving your credit health
We want all our members to have a healthy relationship with credit. Whether you currently have a loan—or you’re fully paid off—Member Center is a free benefit available to you just for having a Happen account.
Sign into your Member Center today to start the journey toward better financial health.
* The information in the Credit Profile is provided by TransUnion®, and we make no representations as to its accuracy or completeness. If you think the information in your Credit Card or Credit Profile tabs is inaccurate, please contact TransUnion.
