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Viewing your Free Credit Score as of August 14, 2012 is as easy as 1-2-3!

Checking your credit information WILL NOT lower your credit score!

What can a good Credit Score do for you?

Get Better Interest Rates

Having a good credit score can mean lower interest rates. On big ticket purchases, like a car or home, a high credit score could save you thousands of dollars over the life of the loan. If you don't have a good credit score, you could be denied a loan altogether keeping you from your dream car or house.

Save on Insurance Premiums

Did you know that most car and home insurance companies check your credit before giving you a rate quote for new insurance coverage? Insurers use your credit report and score as an additional factor when evaluating the risk of taking on a new customer. You can save hundreds of dollars every year on insurance if you have a good credit score.

Increase Your Employment Chances

When was the last time you looked for a new job? Some employers are evaluating prospective employees credit reports as a way to score their character and see how reliable they may be. Someone who has a history of paying their bills on time and in good credit standing may seem like a better applicant than someone who has a series of blemishes on their credit report such as late payments, bankruptcies, high debt numbers. Anyone looking for a new job should make sure that their credit report is up to date and accurate in order to maintain a leg up on other candidates.

Hassle-Free Utility Setup

Moving into a new home or getting a new cell phone? Most companies now require a credit check before approving you for service. Having a poor credit score will not cause a utliity company to not cover you, but they could require you to put down a significant deposit if your credit is questionable. Some companies may even offer better rate plans to consumers with a high credit score.

Checking your credit information WILL NOT lower your credit score!

DISCLOSURE: Profinity Credit Monitoring features credit report information obtained from one or more of the three national credit repositories, Experian, TransUnion, and Equifax. Profinity Credit Monitoring uses CoreLogic Credco/CLCS to provide this information to you. Profinity Credit Monitoring is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. Neither Profinity Credit Monitoring nor CoreLogic CREDCO/CLCS bear any responsibility for the contents, accuracy or completeness of the credit reports.
MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT REPORT UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE.

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 calculated?

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 (score factors) from your credit report at that particular credit reporting agency. 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 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 can I get my credit report?

To obtain the free credit report that you are entitled to under federal law, you must go to www.annualcreditreport.com. There, you can get your credit report from all three credit reporting agencies - Experian, Equifax and TransUnion - once every 12 months. For daily monitoring of your credit report from each of the three credit reporting agencies, use Profinity Credit Monitoring. This service makes your personal credit report available online 24-7. You have peace of mind from knowing that your credit records are being monitored daily. If any irregular account activity is detected, we'll email you promptly.

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. This is why it's important to have access to your credit report every day.