Credit Tracker
Take control of your credit score with Credit Tracker!
Credit Tracker from Gulf Coast Bank allows you to view the complete picture of your credit score* and all its components, as well as ongoing credit monitoring. With this information at your fingertips, you can plan for the future, all within the convenience of your Gulf Coast Bank mobile app and online banking!
Credit Report & Alerts
The Credit Tracker Credit Score graphs show your credit score on a chart with up to twelve months of history. This enables you to easily see changes and trends in your credit score throughout the year and alerts you to significant changes that could be an indicator of fraud. Your credit reports are available on-screen and can also be downloaded by you.
Credit alerts and monitoring provides alerts based on changes to your credit profile. This enables ongoing notifications, so that you can be aware of, and protect, your credit score.
Score Simulator 
The Credit Score Simulator estimates how your credit score may change by up to 16 different actions & variables. Your current score is displayed so that you can compare your actual score to your simulated score. You can change any or all of these 16 variables to calculate an estimated change to their credit score. Better information for better decision making.
Score Factors
Credit scores are calculated by weighing different components and attributes, known as factors, from the credit report. Credit Score Factors provides you detail on what attributes a credit score considers, their relative impact to the credit score, and the actual values contributing to your credit score. You can explore how these factors are reported from Experian. You can also learn how to increase your credit score through the targets and advice provided in-tool related to:
- Payment History
- Credit Card Utilization
- Derogatory Marks
- Credit Age
- Total Accounts
- Hard Inquiries
Debt Analysis
Debt Analysis provides you the ability to explore your outstanding debts, liabilities, and monthly payments. You are empowered to make better financial decisions with an understanding of your accounts in one simple view. You can also enter your income to calculate and provide insight into your debt-to-income ratio with debts from their credit report.
Dark Web Monitoring1
Scans the web for fraudulent use of your personal information including name, address, email and more.
Personal Information Monitoring
Monitors your name online in real time to see how much of your private information has been exposed on Data Broker websites.2
Online Subscriptions View
Access a consolidated view of your subscriptions to see where your dollars are going.
Premium Upgrade
Upgrade to Premium for $6.99/month to unlock:
Social Security Number Monitoring 
Detect and prevent identity theft occurring outside of the credit bureaus’ vision.
Change of Address Alerts
Detect and be alerted when there has been an unauthorized change of address.
Identity Theft Insurance
Up to $1M of identity restoration and protection against identity theft.3
Identity Restoration
Access hands-on assistance restoring compromised identity.
Removal of Personal Information from Data Broker Sites4
Leverage automated services to continuously remove your personal data from these sites.
Ongoing Web Monitoring for Newly Exposed Private Information
Continuously monitor Data Broker sites and get alerts when your personal information resurfaces.
Online Subscriptions Cancellation
With just a single button, cancel unused or low value subscriptions.
Credit Building
Build credit or establish credit history with credit building features.
Student Loan Assistance
View your total federal student loan balance, identify the payment plan with the most savings and enroll, and monitor details with timely recertification.
All for $6.99/month.5
With Credit Tracker you get insights into the components of your credit score and history, all in one intuitive interface. It's one more way Gulf Coast Bank helps you achieve your financial goals!
Log in (Opens in a new Window)to your mobile banking and check out Credit Tracker now!
*VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model using data from Experian. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
1 Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver's licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer's personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin and may not occur during your {trial/Access} period.
2 Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.
3 Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits inside Credit Tracker.
4 Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.
5 Plus applicable taxes. $6.99 (plus applicable tax) will be debited from your account when you enroll, and then monthly until you cancel.
