Last Modified: July 10, 2025
The use of ‘Mi Crédito’ is subject to the following terms and conditions (the “Terms and Conditions”), as amended from time to time. YOU MUST ACCEPT THESE TERMS AND CONDITIONS BEFORE YOU CAN ACCESS AND USE ‘MI CRÉDITO’.
As used in these Terms and Conditions, the terms “BPPR,” “us,” “we,” or “our,” refers to Banco Popular de Puerto Rico, or any affiliate, agent, service provider, independent contractor, designee, or assignee that may, at our sole discretion, be involved in the rendering of services through ‘Mi Crédito’, including but not limited to Array US, Inc. As used in these Terms and Conditions, the terms “you” or “your” refers to the individual that is the user of ‘Mi Crédito’ service.
When you use or access ‘Mi Crédito’ you agree to these Terms and Conditions. We may amend or change these Terms and Conditions from time to time, in our sole discretion, by sending you a written notice by electronic mail, postal mail, or by posting the updated Terms and Conditions at http://micredito.popular.com. If you find these Terms and Conditions unacceptable to you at any time, you may discontinue your use of ‘Mi Crédito’. By continuing to use ‘Mi Crédito’, after we have made any amendments or changes, you agree to the updated terms.
‘Mi Crédito’ is a web-based service which presents users with information gathered from their Experian credit reports (including VantageScore 3.0), credit history, credit score simulator and debt analysis tools in a dashboard.
To enroll and use ‘Mi Crédito’ you must:
We reserve the right to refuse your access to, or use, of ‘Mi Crédito’ at any time.
If you choose to access ‘Mi Crédito’, you will be required to provide personal information to register and complete enrollment. You agree to provide accurate information in your registration and not share your password with third parties. You agree not to impersonate another person or to select or use a username or password of another person. You agree to notify BPPR promptly of any unauthorized use of ‘Mi Crédito’ and of any loss, theft, or disclosure of your password.
Failure to comply with these requirements will constitute a breach of these Terms and Conditions and shall constitute grounds for termination of your ‘Mi Crédito’ access.
You understand that by clicking the “submit” button during the enrollment process, you are providing “written instructions”, in accordance with the Fair Credit Reporting Act, as amended, and other applicable laws, including state laws, authorizing BPPR and its service providers, which may include Array US Inc., to obtain information from your personal credit profile from Experian, or any other credit reporting agency on a monthly basis, so long as you are enrolled in ‘Mi Crédito’.
This includes authorizing BPPR and its service providers to use your social security number to access your personal credit profile, to verify your identity, and to provide you with ‘Mi Crédito’ services. It also includes authorizing BPPR to use your credit information and other information that you may provide at or after enrollment to market products and services to you from time to time.
You understand that BPPR may use your credit information, and other information that you provided prior to, at the time of enrollment or after to:
We will use the information in your credit report to verify your identity without any additional action needed by you. This information includes your name, social security number, birthdate, and address.
The score shown in ‘Mi Crédito’ dashboard is your VantageScore 3.0 score, as provided by Experian Information Solutions, Inc. Each of the three credit reporting agencies (Equifax, Inc., Experian Information Solutions, Inc., and TransUnion, LLC.) uses a different model to calculate a credit score and each gathers data independently. The credit reporting agencies pull your information from many different sources (such as lenders, collections, court records) at different times, therefore there may be discrepancies at any particular time between the reports from each credit reporting agency.
When we display your VantageScore 3.0 in the ‘Mi Crédito’ dashboard, this is done via a “soft credit pull”, therefore it does not impact your credit score. If you choose to apply for credit products, the lender might obtain your credit report during the application process, which can impact your credit score. We do not guarantee that the information presented in 'Mi Crédito', including credit report or credit score information, is the same information that may be used or reviewed to assess your creditworthiness or eligibility for any particular product or service.
There may be instances where we cannot pull your credit report information from Experian due to alerts or credit freezes placed by you. In this case, the user is responsible for contacting the consumer reporting agencies to lift the alert or freeze.
To see what we do with your personal information and what choices you can make, see Popular, Inc’s Privacy Policy and Array US, Inc’s Privacy Policy.
BPPR will be offering ‘Mi Crédito’ to eligible users. Users will receive free access to their credit report, credit score, credit alerts, credit score simulator, and debt analysis. A description of ‘Mi Crédito’ services is set forth below.
VantageScore 3.0 Credit Score
The credit score provided is your VantageScore 3.0 Credit Score, which is a model developed by the three major credit reporting agencies: Equifax, Inc., Experian Information Solutions, Inc, and TransUnion, LLC. VantageScore 3.0 Credit Score predicts credit risk and measures the probability a person will pay his or her debts on time. The scores provided in ‘Mi Crédito’ are for informational purposes only. You can view Your VantageScore 3.0 Credit Score in ‘Mi Crédito’ as frequently as you would like without impacting your credit score. ‘Mi Crédito’ will only display the account information that appears in your Experian consumer credit report. Accounts not reported or subsequently deleted from your Experian credit report will not be reflected in your score. ‘Mi Crédito’ does not maintain your credit report information and cannot make any changes to it. BPPR is not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.
Score Simulator
‘Mi Crédito’ contains features that estimate how changes in your credit behavior may impact your credit score. These features show how these changes may impact the credit score displayed on ‘Mi Crédito’, which is the VantageScore 3.0 Credit Score. Simulated scores and score changes simulated by ‘Mi Crédito’ are only predicted estimates. ‘Mi Crédito’ does not guarantee your actual credit score will change by the same amount, in the same way, or at all.
Debt Analysis
Debt Analysis automatically captures and synchronizes the debt record listed in your Experian credit report. Your debt-to-income (DTI) refers to the total amount of debt payments you owe every month divided by your gross monthly income. This ratio includes all your total monthly recurring debt and is utilized to determine what additional debt capacity you may have available.
Alerts
To help you monitor your credit, ‘Mi Crédito’ may show you personalized alerts from Experian. Credit alerts include new inquiries, address changes, new derogatory information, new public records, new accounts opened in your name, etc. Also, ‘Mi Crédito’ may alert you of a change in your address or if your SSN is used in connection with a name or address other than what Experian has on file. These alerts are not guaranteed to detect identity theft or fraud. These notifications may come in the form of an email, a text or through the ‘Mi Crédito’ tool.
We do not guarantee that the information presented as part of the services rendered through 'Mi Crédito', including credit report or credit score information, is the same information that may be used or reviewed to assess your credit worthiness or eligibility, nor that you will be approved or rejected for credit by BPPR or any financial institution.
You agree that by enrolling and using ‘Mi Crédito’, you permit BPPR to periodically obtain your credit report to market our products and services to you.
As browsers are updated over time, older versions of ‘Mi Crédito’ may not function effectively. It is your responsibility to upgrade your browser, when it becomes apparent it is needed, to ensure that you can continue to access ‘Mi Crédito’. You should also understand that use of a current browser with vendor recommended security patches is considered the best security practice.
You are responsible for the installation, maintenance, and operation of your computer, browser, and software. BPPR is not responsible for any errors or failures from any malfunction of your computer, the browser, or the software. BPPR is also not responsible for any computer viruses or related problems that may be associated with the use of an online system.
We may, from time to time, introduce new features to ‘Mi Crédito’ or modify and/or delete existing features at our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so, via email or through the "Mi Crédito" tool.
By using any new or modified features when they become available, you agree to be bound by the rules and terms concerning these features.
You may terminate your service with ‘Mi Crédito’ at any time by unenrolling from the service. To cancel your account:
Your cancellation will be effective immediately. When you cancel, it does not affect the validity of actions taken by us prior to your cancellation or while the cancellation is being processed. We may cancel ‘Mi Crédito’ or change these Terms and Conditions at any time in our discretion.
We may terminate, suspend, or limit your access to ‘Mi Crédito’, in whole or in part, at any time for any reason, including account inactivity, without prior notice. The obligation and liabilities of the parties incurred prior to the termination date shall survive the termination of these terms and conditions for all purposes. We may determine other eligibility criteria in our sole discretion.
You acknowledge and agree that you are responsible for your conduct while using ‘Mi Crédito’ and agree to indemnify and hold us and our officers, directors, employees, and agents harmless from and against any loss, damage, liability, cost, or expense of any kind that we may occur in connection with a third party claim or otherwise, in relation to your use of ‘Mi Crédito’ or the use of ‘Mi Crédito’ by anyone utilizing your account number, password, whether authorized or unauthorized, or your violation of these terms and conditions or the right of any third party. Your obligations under this paragraph shall survive the termination of these terms and conditions.
Except as set forth herein or where applicable law requires a different standard, neither BPPR, its partners or affiliates, nor Experian shall be responsible for any loss, damages, or injury or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the system, equipment, browser and/or the installation or maintenance thereof, access to our use of ‘Mi Crédito’, failure or electronic or mechanical equipment, the internet, the system, or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or delays with intermediate computer or communications network or facilities, problems with data transmission facilities or any other problems you experience. Except as otherwise expressly provided in any applicable agreement, you understand and agree that your use of ‘Mi Crédito’ is at your sole risk and that ‘Mi Crédito’ and all information, products, and other content included in or accessible from the service, are provided on an “as is,” “where is,” and “where available,” basis, and are subject to change at any time without notice to you.
You acknowledge that BPPR, its partners, and Experian make no warranty that ‘Mi Crédito’ will be uninterrupted, timely, secure, or error-free unless otherwise stated. To the fullest extent permitted by law, BPPR, its partners, and Experian, disclaims all representations, warranties, and conditions of any kind as to ‘Mi Crédito’ and all information, products, and other content included or accessible from the service. No license is implied to you from these disclaimers.
Any BPPR account information provided to you as part of ‘Mi Crédito’ is not the official record of your BPPR account or its activity. Your BPPR account statement, as furnished by BPPR, will remain the official record. ‘Mi Crédito’ information is updated regularly, but it is subject to adjustment and correction and therefore should not be relied upon by you for taking, or forbearing to take, any action.
‘Mi Crédito’ and any other trademarks, logos and services marks displayed on the website (excluding those owned by Experian or Array US, Inc.) are the trademarks of Popular, Inc., its affiliates or subsidiaries or their respective third-party owners. You agree not to alter, modify or change these trademarks, and you must not use these trademarks for any purposes without our written consent.
If you identify any inaccurate information included in your credit report, please refer to the ‘Help Center’ tab located within ‘Mi Crédito’.
These terms and conditions shall be governed by the laws of the Commonwealth of Puerto Rico, without regard to any choice of law provision. You irrevocably and unconditionally submit to the jurisdiction and venue of the United States District Court for the District of Puerto Rico.
Neither BPPR nor Experian are credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither BPPR nor Experian provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit history, credit rating, or credit record. In addition, BPPR and Experian do not monitor specific events that may impact your credit information.
‘Mi Crédito provides you with your VantageScore 3.0 Credit Score, related information and other credit report information. However, it’s important to know that, under the Fair Credit Reporting Act, you also have the right to receive a free credit report from each of the three national consumer reporting agencies (Experian Information Solutions, Inc., TransUnion LLC., and Equifax, Inc.) once during any twelve-month period. To do so or for more information, visit AnnualCreditReport.com or call 877-322-8228.
