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| This page contains answers to common questions
handled by our support staff, along with some tips and tricks that we have found
useful and presented here as questions. |
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Click on Sign Up now! Proceed with the step
by step instructions. You will receive a Redeemable Code by email for your
discount to get the special offer of $7.95
You will be able to view your account information immediately. You will be
charge a $7.95 monthly fee. You may cancel subscription at any time.
Score Viewers
Score Watch will always notify you of changes to your Equifax credit
report and Equifax FICO score by email. In addition, you also have the
option of being notified by cell phone or wireless device.
The reason for a
discrepancy is because of scores from two different scoring systems. The
score you from TransUnion is their consumer version of your credit score,
but it's not your FICO® score. Many different websites sell credit scores
to consumers, but only myFICO.com
and
Equifax.com
sell actual FICO scores to
consumers. In fact, you may be surprised to know just how many different
credit scores are sold to consumers – most of which are never used by
lenders.
This is not to say that getting your credit scores from online vendors is
a bad idea. Checking your credit scores from a trusted seller can often
serve as a guide for pointing you in the right direction. If you pull your
credit score from a reputable source and find that you have a very high
score, then more often than not, you'll have a good FICO score as well.
Before getting a loan for a major purchase, such as a home, you should
check all three of your FICO scores. Most lenders will look at all three
FICO scores – one from each major credit bureau – when evaluating your
loan application. At that point, don't try to save a few dollars by buying
the cheapest credit score you can find. Knowing your FICO scores can help
you estimate what your monthly mortgage payments will look like and help
you determine if you can truly afford a home.
We hope this helps you make sense of your credit scoring options.
Yes! We know credit scores
can be confusing enough without having to figure out if you're buying a
real FICO score. Many credit scores even try to mimic the FICO score range
so they look very similar to FICO scores. Remember that FICO scores always
say "FICO" when describing the score.
What the difference in the
two scores mean to you? Well, don't demand a lender's best rates based on
your TransUnion credit score of 733! Your FICO score of 689 is the score
you should be basing your expectations on. Generally, a FICO score above
720 will qualify you for good rates on most loans. Just be sure to check
your actual FICO score before applying for a loan – this is the best way
for you to know what the lenders will base their terms on.
Yes, You will have a secure login and
password to view your account at any time 24/7.
- You can define a target
score, and be alerted when your FICO score reaches or passes this target
score.
- You can be alerted when your
FICO score changes enough to where you might qualify for a different
interest rate on a new loan. Here you can choose which kind of loan you
are most interested in - a home mortgage, auto loan, or home equity
loan.
- You can choose how large a
balance increase must be to trigger an alert. For example, you can
specify to be alerted about a balance increase only if it is an increase
greater than 25% or $200.
- You can choose how long an
account must be inactive before new activity triggers an alert. For
example, you can specify to be alerted about new activity on an account
only if that account has been inactive for 6 or more months.
Score Viewer Score Watch has AIG insurance
for Identity Theft. Includes
a $25,000, no-deductible identity theft insurance policy and a toll-free
help line in case you become a victim of identity theft.
   
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