A Good Credit Score

Your credit score is a numerical reflection of your total credit picture and the level of risk you may pose to creditors. Credit scoring companies use formulas to derive your credit scores based on the information in your credit files at the three national credit reporting agencies.

Credit scores are categorized according to the strength of your credit history and your demonstrated ability to pay your creditors on time. As such, a "good credit score" of 720 or higher means that you probably have a history of doing just that. In turn, the higher your credit score, the more likely you are to get the best interest rates and the most favorable loan terms. The lower your credit score, the more difficulty you may have in receiving credit, and the more you can expect to pay in interest. For this reason, it's advantageous to have your credit score fall into the best risk category for lenders.

PrivacyGuard offers an array of services to help you review your credit. For starters, you can receive your latest triple-bureau credit report and CreditXpert Credit Scores™ every three months, so you can stay on top of what's in your credit files and determine if what is being reported is accurate. See details. PrivacyGuard also provides daily triple-bureau credit monitoring, which scans your credit files for certain changes that could affect your score. If one of these changes is discovered, PrivacyGuard sends an alert to you and provides the resources you need to assess this activity and dispute it if necessary. See details.

PrivacyGuard's credit score simulator and financial calculator suite also enable you to see how making a few changes in your payment habits could improve your credit standing and discover more effective ways to pay down your debt. In addition, PrivacyGuard's internet fraud surveillance continuously scans the online underground where stolen credit card and Social Security numbers are traded and sold, and alerts you if we discover your information is available in these criminal marketplaces. See details. And, should you ever have trouble understanding anything associated with your credit files, or find an inaccuracy or potential issue, PrivacyGuard is there to help, with toll-free support and assistance to help you every step of the way.

Viewing your latest credit report and scores from PrivacyGuard takes seconds. Best of all, you can receive your credit scores - and enjoy all of the other benefits PrivacyGuard offers - when you sign up to try PrivacyGuard. Sign up today, and understand your credit records.