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We will respond via email typically within 24 hours. If your question is about a listing, please include the full property address if you know it.
PLEASE READ THIS IMPORTANT NOTICE:
Our email responses may get lost in your Junk, Bulk or Spam folders, so please be sure to LOOK THERE FOR OUR RESPONSE. If you don't get a response within 24 hours, please call us at (888) 387-0890 (Monday – Friday 6AM – 6PM PST, Saturday – Sunday 9AM – 5PM PST). You can also contact us at 5951 Encina Rd. Suite 208 Goleta, CA 93117.
Why is your score important for you?
Your credit score is one of the most important tools for your financial health. A good Credit Score could help lower your payments for mortgages, car payments, credit cards, insurance premiums and more. It could save you thousands of dollars or increase your chances of getting a loan. Close
Do you need a good score to get a loan?
That is usually the case. That's because your score helps others evaluate how risky you are, and is a good predictor of whether or not you will make future payments. People with high credit scores will usually be given a loan before someone with a low credit score. Close
Should I check my score right now?
Sometimes you will want to check your score immediately, such as when you need a loan for a new car or home. If your score is high, you're more likely to be approved for the loan and pay a lower interest rate. If your score is low, you may want to delay the purchase. Close
What is included in your credit report?
Your credit report lists your open and closed accounts, account balances, late payments, credit inquiries, credit limits, credit utilization and more. For instance, it could include details about your home loan, auto loan, department store accounts, gas station charge cards and credit card companies. Close
Who sees your credit report?
Almost any time you apply for new credit (auto loan, department store charge card, new credit card, etc.) the lender who is considering your loan application is reviewing your credit report. If you're applying for a new job, your potential employer may conduct a pre-employment screening. Close
Why is it important to check your credit report?
Your credit report can sometimes contain inaccuracies. If those inaccuracies are not caught, disputed and corrected, you can end up paying too much interest for your next auto loan, charge card, or home loan. Correcting those negative inaccuracies may lower your interest rates and payments. Close
Why monitor your credit report?
By using our credit report and monitoring plan, you will receive instant alerts when changes are reported. This could be due to fraudulent activity by hackers and ID thieves, ruining your credit and reputation. Fraudulent activity can happen at any time but we'll alert you of changes as long as your protection plan remains active. Close
How frequently will I get credit alerts?
You will get alerts whenever there is a significant change to your credit report such as new accounts, inquiries, judgments, liens and more. So if there are frequent changes, you will receive frequent alerts. If those alerts are a surprise to you, that's a strong indication there may be fraudulent activity occurring. Close
Do I need to get a credit report from all 3 bureaus?
We recommend checking all 3 of your credit reports from the national bureaus -- TransUnion, Experian and Equifax -- because there may be differences between each of the reports. For special needs such as recovering your stolen identity, looking at all 3 is a must. Close
How much does it cost?
We will charge just $9.95 for your Credit Score, Credit Report and enrollment into the Credit Monitoring and ID Theft Protection plan. We verify your identiy before activating your plan, to ensure your information is protected and kept away from ID Thieves and others. Your Credit Monitoring and ID Theft Protection will activate at that time, and then automaticallly continue 7 day's later for continued, uninterrupted protection. If you do not want this protection, simply cancel before the 7 day's are up and no further charges will ever apply. If you choose not to cancel however, your plan will renew for the low price of just $29.94 per month. This is billed directly to your credit card and will automatically continue until you cancel. Close
YourScoreAndMore is not a credit repair organization and does not offer or provide such services.
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