Credit Scores

We gather information about your credit profiles to show you the facts.

Not all credit scores are the same.

Did you know all three of your credit scores can be different? Also, did you know not all lenders use the same score to determine your rate and/or eligibility for a loan? We break down each one of your three credit scores from Experian, Equifax, and TransUnion so you see why they’re at the score they are.

Here are the 5 factors that affect your credit score:

• Variety of credit types
• History of previous payments
• Activity with credit inquiries
• Amount of debt
• How long credit has been open

All these play into how your credit scores are determined, but not all are equally weighted. We show you how your scores so you can understand where you’re at.

Let us inform you of any changes in your credit profiles.

Daily Credit Report Monitoring

With credit scores and reports constantly changing we want you to be in the loop. With our credit monitoring we notify you of any updates or possible suspicious activity we may see. Up-to-date notifications help you manage your profiles to reduce any errors, fraud, or even missed payments that may harm your scores. Simply log into your account to view notifications at any time.

Some possible alerts may be for:

• A bankruptcy occuring
• A new account opening
• Missed payments on an account
• Score increases
• Score decreases
• Updated account information (such as a change of address or employment)
• Potential fraud detected
• Account that has become delinquent
• An attempt at gaining a new line of credit