| Features:
All 3 FICO® scores from the three national credit bureaus*
3 FICO® Scores Your FICO® scores from TransUnion, Experian, and Equifax
credit bureaus. Each comes with a full explanation of the score and how
lenders view you. Also includes actions you can take to get your FICO®
scores into the higher ranges. Scores constitute a snapshot and are
generally not considered accurate or valid for more than 30 days from the
date of purchase.
All 3 Credit reports from the three national credit bureaus*
3 Credit Reports One credit report from each bureau - TransUnion, Experian,
and Equifax. Each credit report is a detailed snapshot of credit cards and
loans opened in your name, companies accessing your credit file, delinquent
payments and more. Because of the changing nature of the information
contained within, credit reports are generally not considered accurate or
valid for more than 30 days from the date of purchase. They are therefore
not accessible online after that point.
FICO® Score Simulator
FICO® Score Simulator This simulator analyzes your personal credit
information and answers questions such as, “What happens to my FICO® score
if I pay off a credit card or open a new account?” (Available for TransUnion
and Equifax reports only.)
*About FICO® scores and credit reports
FICO® scores are the credit scores most lenders use to determine your credit
risk. You have three FICO® scores, one for each of the three credit bureaus
- Experian, TransUnion, and Equifax. Each FICO® score is based on the
information that each credit bureau keeps on file about you. As the
information in each of your credit reports change, your credit scores tend
to change as well. When you purchase your FICO® scores and credit reports
from myFICO, you are getting a snapshot that is accurate at the time of your
purchase. However, it's important to note that as the information in your
credit reports changes, your FICO® scores can also change. That's why we
recommend checking all three of your FICO® scores and credit reports
regularly - at least once a year.
Details:
FICO® credit scores
Includes one FICO® score from each national credit bureau - TransUnion,
Experian, and Equifax
Includes an explanation of factors affecting each of your three FICO® scores
Credit Reports
Each of the three credit reports lists your:
Credit accounts, including all credit cards, auto loans, student loans, and
mortgages in your name, with information about:
Creditor and account number
Balance
Date opened
Payment history
Current status, such as “OK”, “Closed by customer”, “30 days late payment”,
etc.
Inquiries: recent applications for new credit
Collections: when a collection agency is seeking you to repay a debt
Public Records: court judgments such as a bankruptcy, foreclosure, or tax
lien
FICO® Score Tools
The FICO® Score Simulator shows how your FICO® score from TransUnion or
Equifax 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
Other
Printable version available
Accessible from either PC or Macintosh with an Internet connection and with
Internet Explorer 5.0 or better, or Netscape 6.2 or better
FICO® scores and credit reports are viewable for 30 days from the date of
purchase
The difference between annual purchase and one-time purchase
Annual purchase provides a no-hassle means of receiving your FICO® scores
and credit reports on an ongoing basis by automatically renewing your
purchase every year**. With annual purchase you will never have to remind
yourself to check your credit scores again - plus, you save $5 off the one-time
price.
NOTE: FICO® scores and credit reports provided with this product are
viewable for 30 days from the date of purchase. Be sure to print or save
your scores and reports for your records within that timeframe.
Why you need all 3 of your FICO® scores
Each of your three credit reports may be different
Credit bureaus don't share their data with each other. Each of the three
national bureaus may have different data on you – and you won't know it
until you check.
Each of your three FICO® scores may be different
You have a FICO® score from each credit bureau. Since your credit reports
may be different, your FICO® scores can also be different, sometimes by as
much as 100 points.
Lenders may look at all three of your FICO® scores
Many lenders, especially mortgage lenders, look at all three of your FICO®
scores to determine whether to grant credit – for everything from a car loan
to a home loan to a credit card to a cell phone. Even if a lender looks at
just one FICO® score, you often won’t know which one. Don't be surprised at
the last minute when applying for credit.
You need to protect against ID Theft
Your first sign of a stolen identity may come from the information in each
of your credit reports, including lines of credit that you did not open and
home addresses that are not yours. You need to regularly look at all three
credit reports and FICO® scores to rest assured that your credit and your
identity are safe.
FICO® Credit Complete
$42.84 per year (Annual purchase)
$47.85 (One-time purchase)
**We will automatically charge your credit card one year from the date of
your original purchase. The amount charged will be the annual purchase price
in effect at the time of renewal. You will be notified of the upcoming
charge by email 14 days prior to your renewal date. You may cancel at any
time prior to the renewal date.
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