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Credit Card and Identity Theft Resource Guide
Tips for Improving Your Credit Score
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Identity theft: What to do if it happens to you

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3-Bureau Credit Scores
Start by getting all 3 scores now, not just one score – Experian, Equifax, and TransUnion. Your credit scores, as developed by CreditXpert, Inc., 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.

Credit Monitoring &Alerts
Help protect your credit and personal information with daily credit monitoring2 of your files at the three major credit reporting bureaus – Experian, TransUnion and Equifax. Plus, receive quick alerts by text, email or phone when certain changes occur in your credit files. Charges you may not be aware of can indicate potential credit or identity fraud.

Identity Theft Protection
Credit application monitoring (powered by ID Analytics) works in real-time to help prevent your personal data from being used fraudulently on credit and service applications. In the event your identity becomes compromised, you can count on the support and guidance of our experienced fraud recovery experts to help you resolve key issues.

Credit Score Simulator
Enables you to see at a glance how making certain changes to your credit practices could impact your credit scores and your overall credit picture.

* Your credit scores are provided by CreditXpert, Inc. and indicate your relative credit risk level for educational purposes. They may vary between bureaus and are not the scores used by lenders. Your scores may not be identical or similar to scores you receive directly from credit agencies or other sources.

* Daily monitoring will notify you of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.

FreeScoresAndMore is a service of Trilegiant Corporation. Any part of the FreeScoresAndMore service may be modified or improved at any time and without prior notice. FreeScoresAndMore is not available to residents of Rhode Island and Iowa. FreeScoresAndMore is a service mark of Affinion Publishing, LLC.

What is a Good Credit Score?

There are two main credit score models used today. Here are each credit score ranges.

• FICO Score Model 300-850

• Vantage Score Model 501-990

Most lenders use the Fico Score Model when pulling your credit report. The banks trust this algorithm for dictating your credit risk for loans

Vantage Score is a model that was introduced by Experian and TransUnion in 2006. This model only has about 6% of the market share.

Fair Isaac's FICO Score range by Population.

The following credit score ranges are bracketed by credit score range. These credit score ranges are created by Freddie Mac and Fannie Mae, which pass along fees to banks for these particular ranges. The fees ultimately get passed on to the consumer in the form of higher interest rates

740 -850 Credit Score
This credit score range is considered excellent credit. Some creditors will give better interest rates when you have a credit score that is 740 or better. Typically most consider a 720 credit score or higher low risk.

720-739 Credit Score
This credit score range is still considered excellent credit. You will get the best interests with most banks that are available as long as you qualify. Keep in mind that a credit score 740 or above usually will get a .25% better interest rate.

680-699 Credit Score
A score in this range typically means you may either have some past issues, or possible high credit card debt. With this credit score range getting a loan is typically not a problem. Your interest rate will be higher though.

660-679 Credit Score
This credit score range is still not considered bad. You may have a few old collections lingering around on your credit report. You may also have a recent late payment causing your credit score to drop 20 points or so. You will not get the best rates available with this credit score range with most banks.

640-659 Credit Score
If your credit score is in this range you are playing with fire. You are on the verge of getting denied for most types of credit. This type of credit range typically means you have collections, slow pays, and even high credit card debt that could cause a creditor to deny your loan inquiry.

620-639 Credit Score
This credit score range means your personal credit is challenged. You definitely need to start working on fixing your credit. You may consider settling with your creditors or maybe paying down debt. You more than likely have some good credit with some bad credit mixed in.

< 620 Credit Score
A credit score below this range will get you denied for most types of credit. Most creditors will consider your credit ranges a high risk of default. This credit score range typically involves lots of collections, charge offs, slow pays and maybe a public record. If you find a bank willing to lend you money your interest rate will be as high as the law will allow. The bank will try to make as much money as they can incase you default due to your credit risk.

Credit Report Statistics

The 2 main credit bureaus Experian, and TransUnion currently hold 2002 million credit files. Roughly 172 million of these files contain enough information to generate a credit score. According to U.S. PIRG, 25% of credit reports that they have surveyed contained errors that could result in a credit denial. This survey also showed that 70% of the overall credit reports had errors or some type of mistake on them.

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