VantageScore These Are Free Score Providers

VantageScore These Are Free Score Providers

A large number of websites have started using the VantageScore credit model and offering VantageScore credit scores for free. Each site is unique, combines credit score reporting, with a variety of other services for monitoring and managing personal credit. Click the links below for more detail on each company. Credit.com provides scores from Experian. They […]

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Yahoo Data Breach

Yahoo Data Breach

You’ve probably heard about the Yahoo!® data breach which affects over 500 million accounts. Yahoo noted that stolen information may include names, emails, security questions, phone numbers, and dates of birth. As breach incidents are becoming increasingly commonplace, it’s important that we all remain vigilant in protecting our personal information. […]

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Debt-To-Income (DTI)?

Debt-To-Income (DTI)?

Your FICO credit score is made up of five main components and each one carries a specific amount of weight within the total score. How you’ve dealt with debt and made payments in the past accounts for 35% of your score. The number and amount of new credit accounts you’ve […]

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Cash, Debit or Credit?

Cash, Debit or Credit?

Below is a chart suggesting the smartest payment options (#cash, #debit, #credit) to use in common situations — and mindsets. These aren’t set-in-stone rules, and what works for you might not work for someone else. For that matter, what works for you today might not work for you tomorrow. More […]

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Credit Can Make a Women More Attractive

Credit Can Make a Women More Attractive

What It Tells You A person’s credit score gives clues to factors such as outstanding debt, what their payment history looks like and new lines of credit. A low credit score might show that they don’t take their credit seriously, they don’t make enough to cover all of the credit […]

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What Can I Do With A CPN/SCN?

What Can I Do With A CPN/SCN?

FOR INDIVIDUALS THAT ARE TRYING TO BUILD A SCN OR CPN When you decide to use a CPN it is your responsibility. Please do your own research. Any credit obtained through a CPN is also your responsibility and should be handled that way. There are reasons that a CPN Profile […]

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CPN Number / SCN Number

CPN Number / SCN Number

First we have to say that CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) are the same thing! or any other name people use. A CPN Number (Credit Privacy Number) / SCN Number (Secondary Credit Number) is a unique nine digit identification number that can be used […]

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Fair Isaac Corporation

Fair Isaac Corporation

Fair Isaac Corporation or FICO which is the largest and best known of several companies that provide software for calculating a person’s credit score. Fair Isaac Corporation is not a credit bureau and delivers what’s called FICO score. A FICO score is a credit score developed by FICO, a company […]

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