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Your credit score is a number that rates you on how you have managed your credit. Your score is used by lenders, retailers, car companies and landlords when you apply for a loan or want to pay with credit, helping them evaluate how risky you are with credit.
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.
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.
No it won't. We are able to retrieve your score as a "soft inquiry" which will not lower your score.You can, and should, check your score as often as you like over an extended period of time. Doing so will not lower your score.
You should check your score regularly, just like you check your physical health. We recommend checking your score every month.We make it easy for you to check your score any time, any day of the week.
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.
We recommend you get both since lenders (and others) look at both your credit score and credit report when evaluating your credit worthiness. Your credit report provides all the details while your score summarizes those details.
Your credit report lists your open and closed accounts, account balances, late payments, credit inquiries, credit limits, credit utilization and more. For instance, it couldinclude details about your home loan, auto loan, department store accounts, gas station charge cards and credit card companies.
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.
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.
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.
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.
We will charge just $1.00 for your Credit Score, Credit Report and enrollment into the Credit Monitoring and ID Theft Protection plan. We verify your identity 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 days's later for continued, uninterrupted protection. If you do not want this protection, simply cancel before the 7 days'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 $39.94 per month. This is billed directly to your credit card and will automatically continue until you cancel.
Cancelling is easy and hassle-free. You may cancel your subscription via email at support@yourscoreandmore.com, online using our contact form, or by calling us at (800) 950-8040.
We are located at Nations Info Corp.
6950 Hollister Ave, Suite 104, Goleta, CA 93117. You may call us toll-free at (800) 950-8040 or contact us online anytime, 24 hours a day, 365 days a week.