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Estimated Future Credit Score
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ID Theft Risk
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ID Theft Damage Potential
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Potential Savings with ConsumerDirect™
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Get your Credit Report & Scores - For more information, Click Here.
 When it comes to getting a mortgage, credit card or insurance policy, most
consumers have no clue about the most important number affecting their
application.
FICO scores, which is done behind the scenes are the
calculations taken from their credit reports.
They are designed to predict future consumer
behavior. They can make the difference between approval and rejection of
applications. And even afterwards,
They can sway prices and credit lines, with
the lowest rates going to the consumers with the highest scores.
It has been decades now, and these scores which have been hidden from the
public by lenders and the creator and namesake of
Fair Isaac and Co. This company is located
in a office park in San Rafael, 20 miles north of San Francisco.
Finally after thirty-five years, Fair Isaac if coming out by trying to become
more of a household name through online service that sells people their
score.
Is your credit history accurate? If your history isn't accurate
you could be losing out on low interest loans, credit cards, insurance and
more. I tried ScorePower and found out my history wasn't correct.
However, because I knew what was being reporting to the major bureaus, I
was able to correct it. I raised my FICO score 100 points. It didn't happen
overnight. However, about six months my credit score moved up. How far and
fast yours will move, depends on you.. Now I can get prime
cards and low interest loans and you can too!
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CEO Thomas Grudnowski hopes one day the company’s patented credit scores
are as universal with consumers as SAT scores are with high school students.
Fair Isaac is one of this year’s few success stories. The stock is up
by more than a third so far in September 2001, while the Dow Jones industrials
and Standard & Poor’s 500 have each dropped by more than a fifth.
Fair Isaac’s most prized asses is its formula, which grades consumer
credit reports provided by the nation’s three major credit
bureaus...Equifax, Experian (formerly TRW), and Trans Union. which generates
scores with ranges between 300 to 850. The
FICO formula and its credit card software applications
has influenced an estimated 12 billion financial decision last year.
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13 percent of the population is between 800 and 850 -
27 percent of the population is between 750 and 799
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18 percent of the population score is between 700 and 749
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15 percent of the population is between 650 and 699
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12 percent of the population is between 600 and 649
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8 percent of the population is between 550 and 599
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5 percent of the population score is between 500 and 549
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2 percent of the population is between 300 and 499
Privacy Matters 1-2-3SM
Credit Monitoring the Easy Way
- Unlimited, online access to 3-in-1 Credit Reports and
Triple Scores, which merges member's credit information
and score from all three credit bureaus into one easy-to-read report
- Triple Bureau Credit Monitoring, with
automatic alerts of activity to members1 files with all three
credit bureaus - TransUnion, Experian and Equifax
- Online access to FICO® Scorewatch, which
automatically notifies members of changes to their FICO® score - at
member-only rates
- No-cost Debt Analysis and "What If" Simulators
that help members plan for a healthy credit future
- Unlimited, toll-free access to Credit Report Customer
Service
Apply Now! Privacy Extras
- Exclusive offers on Panda computer protection software
- Free resources, including Kiplinger's Your
Family Records Organizer CD-ROM and Kiplinger's Know Your Legal Rights
- A FreeTrueCredit E-newsletter
subscription that offers the latest news regarding the credit industry
and identity theft issues
- A complimentary magazine subscription to
one of many popular national titles.
- Free Lost Key Return Service and up to
$100 in Rebates for Locksmith Services
Apply Now!
*Read here about shady loan and bank companies
In order to get a score a borrower must have the following conditions in
his/her file:
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No "Deceased" indicator on the credit file
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At least one undisputed trade line that has been updated in the last six
months
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One trade line open at least six months
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