Monitor and Improve Your Credit Score
For better or worse, your credit score is a direct reflection on your ability to manage your bills and most importantly determines at what rate lenders will loan you money.
Why Your Score Is Important
There are a lot of great deals and excellent loans out there, unfortunatly you need to have great credit to qualify for them. Here is a good breakdown of the FICO credit score process.
What Your Credit Score Means
There are many things you can do to bring your credit score up and qualify for the best rates:
Good
While not great, this is still a good position to be in and will most likely qualify you for most loans and leases. You may not get the absolute best interest rates given to those of the excellent rating group but you will be sure to secure competitive rates. Check your credit report to see if you may have too much revolving debt. Try to keep the amount of outstanding debt on credit cards to under 15% of your total credit limit.
IDENTITY GUARD premium service includes:
- All 3 of your credit reports from Equifax©, Experian© and TransUnion©.
- All 3 of your credit scores.
- Daily monitoring of all 3 credit bureaus for signs of ID theft.
- Notification of changes to your credit files, public records, personal data on the internet, sent by text message directly to your cell phone.
- Zone Alarm® Internet Security Suite - award-winning anti-virus, anti-spyware software
- Cancel anytime.
IDENTITY GUARD® Total Protection includes:
- Daily Internet monitoring of chat rooms and financial black markets (known to be frequented by identity thieves) for credit application fraud and other sensitive personal data.
- Daily monitoring of all 3 credit bureaus, plus your 3-in-1 credit report with 3 credit scores
- Emails to alert you of suspicious changes you need to verify and instructions about how to proceed
- NEW, secure storage and access to your personal records and financial accounts via your web-enabled cell phone, PDA or PC with MOBILE LOCKBOXSM.
- Save $100s with antivirus, anti-spyware and firewall software with ZoneAlarm® Internet Security Suite, free for the life of your IDENTITY GUARD enrollment.
- For an added layer of security, encrypt every keystroke while you browse the Internet with PRIVACYPROTECTSM software to prevent keyloggers from stealing your information.
- Dedicated identity theft recovery unit that guides you through the process of recovery should you become a victim
* Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Credit reports and scores based on data from Equifax®, Experian® and TransUnion®. Intersections©, Identity Guard® and ID Risk Assessment® are trademarks or federally registered trademarks of Intersections Inc. Equifax® is a registered trademark of Equifax, Inc; and other trademarks are trademarks of their respective owners.