Alerts you when you might qualify for better interest rates on loans
* Monitor your FICO® score: See your new FICO® score every time you get an alert of a change on your credit report. Find out when your FICO® score changes enough to qualify you for better interest rates on a home mortgage, auto loan, or home equity loan.
* Get timely alerts: Score Watch detects important changes to your FICO® score or Equifax Credit Report™ and sends you an e-mail or wireless text message.
* Get a complete FICO® score report anytime: Score Watch includes two free Score Power® reports each year, and all additional Score Power reports are just $10.95 while you are subscribed. Each Score Power report includes your FICO® score, the FICO® Score Simulator, factors hurting or helping your score and your complete Equifax Credit Report™.
2) Suze Orman's FICO® Kit Platinum
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Everything you need to take control of your credit and harness the power of your FICO® scores.
Click — Quick — Get Ahead
Suze has taken the FICO® Kit to a whole new level with the new and improved – Platinum – version. She makes it easier than ever before to take control of your credit and save money!
The Suze Orman FICO® Kit Platinum Version still comes standard with many of the features you have come to know and love: including 3 personalized credit reports and 3 FICO® scores, plus many NEW AND EXCITING features.
Getting started is as simple as 1-2-3.
1. Click
Click once, answer a few questions, and get your personal credit reports and FICO® scores. The Suze Orman FICO® Kit includes an at-a-glance explanation of your personalized FICO® score health. See yourself as lenders do and learn how your FICO® scores affect the interest rates you pay.
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Based on your financial goals, FICO® scores and credit report information, the FICO® Kit Action Planner will walk you through a step-by-step process to help you take control of your credit and harness the power of your FICO® scores.
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Enjoy these personalized features:
Debt Eliminator
Learn how to get out of credit card debt with your own personalized debt analysis and repayment plan. Discover if you're paying too much in interest and follow the personalized guide to negotiate the interest rates you really deserve.
Day-to-Pay Bill Reminders
Paying your bills on time is easy with our email bill payment reminders.
InfoVault
Store your important information in the online vault and access it online anytime.
Online Home and Car Coaching
Save money on your home and car loans by learning the interest rates you may qualify for. This could save you thousands of dollars in interest payments over the life of your loan.
FICO® Simulator
The FICO® Score Simulator shows how your score can change when you:
- Pay your bills on time for many months
- Miss a payment
- Pay down your debt balances right away or every month
- "Max out" your credit cards
- Get a new mortgage
- Get a new auto loan
- Get a new credit card
- Get instant credit at a department store
- Apply for a new credit card and transfer balances to it
- Declare bankruptcy
Error Detection and Correction
We highlight potential errors on your credit reports and give you the tools you need to update inaccurate information.
Other Information
- Active for one year after purchase
- Accessible from either PC or Macintosh with an Internet connection and with Internet Explorer 6.0 or later, Firefox 1.5 or later, or Safari 2.0 or later
- Online product – no CD-ROM included
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Article: How to Check Your Credit Report
As we all know, our economy is based on credit. Most people finance their homes with mortgages and pay for their cars with loans. Students often obtain loans to pay for college. And, of course, countless people routinely make purchases with credit cards.
We can't expect to receive credit as a matter of course, however. We must apply for it.
A Credit Report is a record of your credit activities. It lists any credit-card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.
I would personally advise you that check the credit report once a year. It's a credit healthy thing to do—and now it's free. Creditors determine whether to give you credit or a loan—and how much you will pay—based on information in your credit history. The national credit bureaus (now called consumer reporting companies) collect information from your creditors about how many credit cards and loans you have and how many accounts are late, overdue, or in collection. They sell information in your file to creditors who determine if you'll get a loan and how much interest you'll pay on a credit card. Moreover, this information about how much credit you have and how you pay your bills can even be used to decide if you get a job, new cell phone service, an apartment lease, or car insurance.
Even if you think your credit history is good, you still should get a copy of your report. You might find anything from old accounts to errors to outright identity theft. You shouldn’t be the last to know what’s in your file. That’s especially true now that you can get free copies of your credit reports from the three major consumer reporting companies (Equifax, Experian, and TransUnion).
Important advice:
Here are some important advices from our three Credit Bureaus you should always keep in mind whenever you are talking about Credit Reports:
- Order Credit Report from the official source.
- Don’t open emails or click on pop-ups that offer a free credit report. This could be a scam to steal your personal information.
- Never give a credit card number for a “free” credit report.
- You don’t have to purchase anything to get a “free” credit report. Many supposedly free credit reports will cost you money.
- Don’t contact the consumer reporting companies directly to get this free annual report opportunity.
If you find something wrong in your file, you need to tell the consumer reporting company what information is inaccurate. It is best to do this in writing. myFico recommends you use certified mail so you can prove you sent the dispute. If you have documents that support your claim, send copies—not the originals. The company has to investigate your claim and report back to you. You will also get another free credit report if your claim changes your file. You should also write to the creditor that provided the information to the consumer reporting company that you are disputing information it gave.
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How to prevent Identity Theft:
