• Credit Scores

  How Negative Items Affect Your Free Credit Score The 3 credit reporting agencies are responsible for reporting any data that is related to consumer credit. Every positive transaction that takes place is not always recorded, on the other hand the majority of negative transactions most likely will make it on to the credit file. These [...]

• Identity Theft

  Why Identity Theft Protection Is Needed Identity theft has been one of the fastest growing crimes in the United States for quite some time now. The reason this type of crime is so popular has a lot to do with us the consumer. Without even knowing, more often than not, we end up helping scam [...]

• Credit Reports

  How Your Credit Report Represents YOU! A good or bad credit report score is a direct representation of you and your financial status. Your credit can also be a window into your personality. That is why some major companies nowadays have started to utilize credit reports as a basis for new hire. With this in [...]

More Information On Credit Scores

What Is The Difference Between Free Credit Scores And Credit Report Monitoring?

Credit report monitoring is a basically a report from Equifax, Transunion and Experian alerts you of all activities that occur on your credit. Your credit is calculated by your ability to pay on your debts on time.

There several things that can affect your credit profile such as late payments, high credit limits, judgments, bankruptcies and liens. The better you are able to manage your credit obligation, the higher credit score you can achieve.

What Is A Good Credit Score?

A good credit score is one that is over 720. Having a score under 720 does not mean that you can not acquire credit, but you should expect to pay much higher interest rates.

What Is The Highest Credit Score

The highest credit score you can achieve depends on the credit bureaus. Generally the highest score range is from 300 to 850. The majority of the population credit score range is between 500 to 800. It is not common for someone to have an 850 credit score, but the ability to do so will yield the best interest rates on loans, credit cards and mortgages.

More Info On Credit Monitoring

What Kind Of Info Does My Credit Monitoring Consist Of?

Your credit monitoring represents your personal info and credit accounts, including:

• Personal Data — name, current and previous addresses, Social Security number, past and current employers, and more
  
  
• Credit Accounts History — credit cards,auto loans, mortages, liens, unpaid bills, derogatory payments (on-time, late, or missed)
  
  
• Public records about you — lawsuits, civil judgments, bankruptcies etc
  
  
• Inquiries — inquiries are creditors who have reqested to review your credit report
  
  
• Disputes — summary of your disputes. a dispute is initiated when you suspect that your file is not reporting correctly.

How Accurate Are Credit Monitoring Service?

The 3 credit reporting reporting agencies only report what creditors report to them, so usually very accurate. Errors although rare are not uncommon. It is recommended that you review a copy of your credit at least twice annually. Credit monitoring services can help you stay on to of you credit profile without having to check because you will be notified as soon a you status changes

How Often Can I View My Credit Profile?

You can get a free copy of your free credit profile once annually by going to AnnualCreditReport.com. If you wish to get additional alerts on your report during the year you can do so here at 3creditreportingagencies.org. In addition to your credit monitoring, we also offer all 3 credit scores free of cost as well. There however is a monthly membership fee for credit monitoring that will be incurred if you do not cancel your free credit score trial within 7 days.

Why Do I Need Credit Monitoring

Benefits Of Credit Monitoring?

Credit monitoring is a service that will let you know whenever there is a change to your credit profile. One of the benefits of credit report monitoring is safeguarding your credit profile from identity thieves. Identity theft protection is a very valuable tool to have, especially if you have spent a great deal of time building your good credit score.

Credit report monitoring will send you an alert for any change to your credit history. These alerts can range from a change in your address information or someone attempting to add a new tradeline to your credit report without your knowledge. It does not matter how big or how small the change, you will be notified almost immediately by email or sometimes by telephone.

† After your trial period, you will be billed either your monthly or annual fee unless you call to cancel. You may call to cancel your membership at any time.

* Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.

TM notice: INTERSECTIONS, IDENTITY GUARD, are registered or federally registered trademarks of INTERSECTIONS INC.