Knowing and understanding your credit scores is one of the best ways you can stay on top of your credit. There are many factors that influence your credit profile, and your scores are a great overall statement of how well you are doing.
Just as a school report card provides a numerical assessment of your performance (i.e. your grades), your credit score serves the same purpose for your credit history. It's an at-a-glance view of your total credit profile presented in numerical format.
A credit score is the numerical assessment of your credit risk. Lenders such as banks, credit card companies, cell phone providers and other services use credit scores when they determine how likely a consumer is to pay back their debt. If you have a low credit score, for example, you could pay higher interest rates. A higher score could ultimately save you money with better loan terms.
PrivacyGuard makes it easy to get your 3 bureau credit scores and compare them side-by-side. Your credit scores are based on information from each of the major credit bureaus - Experian, TransUnion and Equifax.
Your PrivacyGuard scores (as developed by VantageScore Solutions LLC.) 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.
It's important to note the credit bureaus generally do not receive the same credit information from creditors and lenders, so your credit scores will likely be different across the bureaus. This is why it's important to see and understand your 3 scores.
PrivacyGuard includes powerful features to help you monitor, track and model your credit scores.
3 Bureau Credit Monitoring: PrivacyGuard provides round-the-clock monitoring of your credit information at each of the bureaus. You'll be alerted immediately to certain changes to your credit information. Learn more about credit monitoring.
Score Tracker: PrivacyGuard's credit score tracking tool - Score Tracker - monitors and graphs your VantageScore credit score over time.3 This allows you to understand and see how our financial activity impacts your score. You'll also receive alerts when certain changes or milestones are detected and met.
Credit Score Simulator: PrivacyGuard's Credit Score Simulator tool enables you to model and see how your credit activity and practices could impact your credit scores and standing. Using the simulator, you can get better insight into actions that could impact your credit standing - be it opening new lines of credit, consolidating debt, or paying off credit cards.
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Frequently Asked Questions
Does checking my credit scores through PrivacyGuard affect my credit rating?
No, not at all. You're entitled to check your own credit scores as often as you like without any risk of lowering your credit rating. PrivacyGuard gives you access to your scores based on your data from each of the 3 major bureaus.
Won't all 3 credit scores be the same, or close?
Not necessarily. That's why checking all 3 of your scores is so important to managing your credit effectively.
What is a good credit score?
Credit scores range from 350 to 850, and your score could differ from bureau to bureau, as creditors do not always report to all three. Typically, a good score is 750 or higher.