【實用財經app】MyScore Free Credit Score App|最夯免費app-綠色工廠好玩App

Introducing MyScore - The easiest way to get all 3 credit scores and credit reports from your phone or tablet!

Now you can check your credit score for free using the MyScore Android app on Google Play! We provide a free trial and unlimited credit monitoring from all three major credit bureaus. We offer unlimited access to all three credit reports and credit scores and complementary credit monitoring to ensure you are not a victim of fraud and identity theft. Download our new free app today and check your scores and reports!

With the MyScore app you will receive:

■ Free 3-Bureau Report and Scores from Experian, Equifax, and TransUnion

■ Customize your alerts to be notified of key changes to your credit file

■ Dedicated ID Theft Assistance and Insurance

■ Credit Score Monitoring with Custom Alerts

■ Social Security Number Monitoring - Receive an alert if your SSN is found on suspected Internet trading sites.

What is a credit score?

A credit score summarizes your entire credit report information into one number. This number is calculated by a mathematical equation that evaluates many types of information from your credit report at that particular credit-reporting agency. By comparing this information to the patterns in thousands of past credit reports, scoring identifies your level of credit risk. Your score tells a lender how likely you are to repay a loan, or make credit payments on time. The higher your score is, the better chance you have of getting the credit you apply for.

How is my credit score used?

Credit scores are one of the main tools creditors, employers, insurance and finance companies rely on to determine your creditworthiness. Your score is a quick snapshot that is often used when credit decisions are made quickly. Creditors may also obtain your full credit report, to access more detailed information to aide their decision on your level of risk.

Each of the national credit reporting agencies, Experian, Equifax, and TransUnion, also offers industry-specific scores and methods to check credit. An industry-specific credit report score allows lenders in the various industries to better assess certain factors in your credit file. For instance, a lender in the automotive finance industry might request a score model that more closely evaluates your auto loan payment history. The actual score is based on the credit data available in your file with that credit reporting agency, and may vary from one to another. Your credit score rating may also vary, depending on the credit report score model requested (Auto specific, mortgage, etc).

How is my credit score calculated?

There are many types of score factors that can have a positive or negative effect on your score. The factors are listed in order of the degree to which they affect your score negatively, meaning that the factor listed first is what most decreased your score. Some examples of score factors include but are not limited to:

• Too many inquiries (how often you apply for credit)

• Too many serious delinquencies (how timely your account payments are)

• Too many recently opened accounts (how often you have opened new lines of credit recently)

• Average balance of revolving accounts is too high (what you owe vs. available)

• Too few mortgage accounts (what types of credit do you use)

How often is my credit report updated?

In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc.