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3-Bureau Credit Scores
Start by getting all 3 scores now, not just one score – Experian, Equifax, and
TransUnion. Your credit scores, as developed by CreditXpert, Inc., are designed
to help you understand your credit. Although different from the scores lenders
use, they use the same credit bureau data and are intended to reflect common
credit scoring practices.

Credit Monitoring &Alerts
Help protect your credit and personal information with daily credit monitoring2
of your files at the three major credit reporting bureaus – Experian, TransUnion
and Equifax. Plus, receive quick alerts by text, email or phone when certain
changes occur in your credit files. Charges you may not be aware of can indicate
potential credit or identity fraud.

Identity Theft Protection
Credit application monitoring (powered by ID Analytics) works in real-time to
help prevent your personal data from being used fraudulently on credit and
service applications. In the event your identity becomes compromised, you can
count on the support and guidance of our experienced fraud recovery experts to
help you resolve key issues.

Credit Score Simulator
Enables you to see at a glance how making certain changes to your credit
practices could impact your credit scores and your overall credit picture.

* Your credit scores are provided by CreditXpert, Inc. and indicate your
relative credit risk level for educational purposes. They may vary between
bureaus and are not the scores used by lenders. Your scores may not be identical
or similar to scores you receive directly from credit agencies or other sources.

* Daily monitoring will notify you of any new inquiries, certain derogatory
information, accounts, public records, or change of address that have been added
to your credit reports as reported by any of the three major credit reporting
agencies. If no information has been added or changed, then you will receive a
monthly notification stating that no information has changed within your credit
file.

FreeScoresAndMore is a service of Trilegiant Corporation. Any part of the
FreeScoresAndMore service may be modified or improved at any time and without
prior notice. FreeScoresAndMore is not available to residents of Rhode Island
and Iowa. FreeScoresAndMore is a service mark of Affinion Publishing, LLC.

What is a Good Credit Score?

There are two main credit score models used today. Here are each credit score
ranges.

 * FICO Score Model 300-850

 * Vantage Score Model 501-990

Most lenders use the Fico Score Model when pulling your credit report. The banks
trust this algorithm for dictating your credit risk for loans

Vantage Score is a model that was introduced by Experian and TransUnion in 2006.
This model only has about 6% of the market share.

Fair Isaac's FICO Score range by Population.

The following credit score ranges are bracketed by credit score range. These
credit score ranges are created by Freddie Mac and Fannie Mae, which pass along
fees to banks for these particular ranges. The fees ultimately get passed on to
the consumer in the form of higher interest rates

740 -850 Credit Score
This credit score range is considered excellent credit. Some creditors will give
better interest rates when you have a credit score that is 740 or better.
Typically most consider a 720 credit score or higher low risk.

720-739 Credit Score
This credit score range is still considered excellent credit. You will get the
best interests with most banks that are available as long as you qualify. Keep
in mind that a credit score 740 or above usually will get a .25% better interest
rate.

680-699 Credit Score
A score in this range typically means you may either have some past issues, or
possible high credit card debt. With this credit score range getting a loan is
typically not a problem. Your interest rate will be higher though.

660-679 Credit Score
This credit score range is still not considered bad. You may have a few old
collections lingering around on your credit report. You may also have a recent
late payment causing your credit score to drop 20 points or so. You will not get
the best rates available with this credit score range with most banks.

640-659 Credit Score
If your credit score is in this range you are playing with fire. You are on the
verge of getting denied for most types of credit. This type of credit range
typically means you have collections, slow pays, and even high credit card debt
that could cause a creditor to deny your loan inquiry.

620-639 Credit Score
This credit score range means your personal credit is challenged. You definitely
need to start working on fixing your credit. You may consider settling with your
creditors or maybe paying down debt. You more than likely have some good credit
with some bad credit mixed in.

< 620 Credit Score
A credit score below this range will get you denied for most types of credit.
Most creditors will consider your credit ranges a high risk of default. This
credit score range typically involves lots of collections, charge offs, slow
pays and maybe a public record. If you find a bank willing to lend you money
your interest rate will be as high as the law will allow. The bank will try to
make as much money as they can incase you default due to your credit risk.

Credit Report Statistics

The 2 main credit bureaus Experian, and TransUnion currently hold 2002 million
credit files. Roughly 172 million of these files contain enough information to
generate a credit score. According to U.S. PIRG, 25% of credit reports that they
have surveyed contained errors that could result in a credit denial. This survey
also showed that 70% of the overall credit reports had errors or some type of
mistake on them.

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