Your credit score is one of the most important numbers in your life. Whether you’re buying a home, renting an apartment, buying a new car or taking out a personal loan, your credit score will be a deciding factor in whether you get the financing you need to move forward in life.
You may have an idea of what your score is.You might have even checked it using one of those free services you found online.
But do you know all three of your scores? If not, you’re missing a few pieces in your credit puzzle.
ScoreSense is the best way to get a complete view of your credit.
What is ScoreSense?
ScoreSense is a credit service provider that lets you check all three of your credit reports and scores in seconds – whenever you want and in real-time.
Offering a simple and easy way to manage your credit, ScoreSense will help you:
- Understand Your Credit Scores: With the help of ScoreTracker and ScoreCast (more on these soon), you’ll be able to analyze your credit actions and track the results. These two tools can help you rebuild your credit and see the fruits of your labor.
- Stay on Top of Credit Changes: Get daily credit monitoring alerts and notifications every time there’s a change to your credit report that needs immediate attention.
- Protect Your Identity: ScoreSense offers identity theft insurance coverage up to $1 million.
- Detect Credit Errors: The dispute center offers tips and advice on how to challenge errors on your credit report. ScoreSense will help you navigate the dispute process.
- View All 3 Scores: ScoreSense provides you with round-the-clock access to your credit reports and scores from all three bureaus: Experian, TransUnion and Equifax.
ScoreSense is a complete credit monitoring and management service.
Part 1: ScoreCast
We all want to improve our credit scores. But figuring out which actions will have the biggest impact can be a challenge.
ScoreCast takes the guesswork and the frustration out of improving your credit score by showing you how your credit score would change if you took certain actions, like taking out new loans or paying off debt.
Find the most efficient way to improve your score. Stay motivated by focusing on the end results.
Part 2: ScoreTracker
ScoreTracker is the heart of ScoreSense. Use this tool to see all three of your credit scores from the three major bureaus: Experian, Equifax and TransUnion.
And you can also see your score history for the past 12 months.
Wait – won’t checking my credit hurt my scores?
No. Contrary to what you may have heard, checking your credit report and scores does not hurt your credit.
In fact, experts say everyone should enroll in a credit monitoring service, so you can keep tabs on your score and tackle errors or fraudulent activity right away.
Okay, I Get It. But Why Do I Need to ScoreSense?
You’re on a tight budget, and you might have heard horror stories about other credit monitoring services or consumers that tried to buy each score individually from the bureaus.
Why pay for a ScoreSense membership when you can just order a free credit report from each credit bureau each year?
Two reasons: identity theft and credit report errors.
A Quarter of All Credit Reports Contain Errors
Did you know that 25% of credit reports contain at least one error? That one error may be unfairly dragging down your score and keeping you from reaching your financial goals.
Errors can cost you a job, or cause you to pay higher interest rates on leases, credit cards and loans.
It might be months or an entire year before you even realize there’s an error on your report.
70 Million Americans Had Data Stolen in 2014
Identity theft is a growing problem that affects millions of people in both the U.S. and around the world.
Unauthorized inquiries on your credit report may indicate fraud and should be addressed right away. Waiting to take action can have serious repercussions on your credit.
Imagine waiting an entire year before finding errors or evidence of fraudulent activity on your credit report. Twelve months is plenty of time to cause irreparable damage to your credit, and errors can set you back an entire year.
You don’t want to miss out on buying a house or have to wait to buy that car you need because you didn’t keep a close eye on your credit.
Why Do You Need All Three Scores?
Why do you need to see all three credit scores? Isn’t one enough?
No. Lenders, banks, utilities and other companies may only report to one or two agencies. Because each agency has a slightly different set of data (your credit data), your scores will vary slightly from one bureau to the next.
Why does that matter?
Let’s say you checked your TransUnion and Experian scores. Both were excellent. You apply for a car loan with confidence because in your mind, your credit is impeccable. The car salesman comes back and says you’ve been denied the loan.
The lender was probably using information from Equifax. And your Equifax score may have been just below the threshold for approval. Maybe an error on your report affected your score, or maybe an unauthorized person took a loan out in your name. Either way, you can’t get the new car you need.
If you had seen all three scores, you would have known that you wouldn’t have been approved. You could have taken steps to raise your score before even trying to apply.
This same scenario can be applied to just about any situation, whether you’re buying a house, car, leasing something, or taking out a personal loan.
And if fraudulent activity shows up on just one credit report from one bureau, someone may go on using your identity for years without you ever knowing it. If you’re not checking all three scores more than once a year, you’re putting your identity at risk.
You’re also putting yourself at a disadvantage because you don’t have all the facts.
Okay, I’m Convinced. How Does a ScoreSense Membership Work?
Signing up for a ScoreSense membership is easy and takes just a few steps.
And before you a dime, you can try the service through ScoreSense’s 7-Day Free Trial. You wouldn’t buy a car without taking it out for a test drive, so why would you buy a credit monitoring membership without testing it first?
As a member, you’ll receive alerts when your credit score or reports change. These changes will help you detect identity theft and fraud as it happens – not months or a year later.
You’ll also gain access to your credit reports and scores from all three bureaus, so you get a clear picture of your financial situation and can detect errors. Along with this, you’ll get ScoreCast to help you make the best credit-improving decisions, and ScoreTracker to monitor your results.
And if you upgrade to ScoreSense Plus, you can see your report and score anytime you want at no additional charge.
There’s no easier way to manage all three of your credit scores using one simple solution. Forget having to log into three different services just to see your scores and reports.
As part of your membership, ScoreSense will continually monitor your credit to let you when:
- Someone checks your credit
- Your personal information changes
- When negative information is posted to your report
- A new account is opened in your name
ScoreSense alerts you to these changes immediately, so you can detect fraud early on and take steps to address the issue before it ruins your credit.
Identity theft is on the rise, and it can take years – decades even – to recover. In some cases, fraudulent activity can follow you around for the rest of your life.
ScoreSense’s monthly fee is pennies compared to the real cost of identity theft.
Sign Up For Your Free Trial Now & Get A Total Credit Check
Every minute you’re not monitoring your credit, you put your personal identity at risk. And each minute you put off checking your credit scores is another minute you could have spent trying to improve your credit.
ScoreSense helps you make sense of your credit and find the best ways to get your score where you need it to be.
Take advantage of the seven-day free trial today to unlock all of the benefits of this complete credit monitoring service.
Click here to check your credit scores now.