Online Credit Monitoring
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- ScoreTracker
- ScoreBuilder®
- ScoreBoost™
- Money Manager
- Smart Credit Report®
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- ScoreTracker
- ScoreBuilder®
- ScoreBoost™
- Money Manager
- Smart Credit Report®
- $1 Million Fraud Insurance
- PrivacyMaster®
- The Dispute Wizard Integration
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With the increased risk of identity theft and credit fraud, it's more important than ever to know what's happening with your credit at all times. While reviewing your full credit report throughout the year is a great way to stay on top of your credit, your financial information needs all the protection you can give it.
With a credit monitoring service you can trust, not only will you be able to receive your credit reports and scores easily, you will also be notified if any suspicious or unauthorized activity occurs on your credit report.
With my800Credit.com, our goal is to provide you with a simple platform for your money and credit all in one place, and with innovative tools to help you rest assured that your credit accounts are being monitored 24/7.
With tools such as ScoreTracker, ScoreBuilder®, and ScoreBoost™, it's now easier than ever to track all your scores and see what's helping or hurting your credit score. Also, use our Action buttons to communicate directly with your creditors, so you can better control your future credit score.
Take a look at some of the innovative credit monitoring tools we offer.
Your credit report is like a report card of your entire financial history. With my800Credit.com™, you quickly receive your 3B credit reports & scores. Plus, we make them easy to read, so you can regularly check their accuracy and better understand your credit score!
Sign up with my800Credit.com™ to get your credit report and to start controlling your future credit score today!
The data within your credit report is used by various lenders and creditors to determine your financial responsibility, and whether or not you are a risk in terms of extending credit.
Credit reports contain data from four main categories of personal and financial information.
Personally Identifiable Information (PII): Refers to personal information that can be used to identify you, such as your full name, current and previous address, date of birth, and social security number.
Credit Accounts: Each credit account you have opened with various creditors and lenders.
Credit Inquiries: Inquiries are a record of who has accessed you credit report and on what date. Hard inquiries are made each time you apply for a new line of credit, while soft inquiries are made each time you view your credit report.
Public Record and Collections: Refers to personal information such as bankruptcies, debt collections, and any pending legal issues.
However, credit scores are not shown on your credit report because they represent a different insight into your credit. Credit reports indicate your credit activity, while credit scores reflect a calculation of your credit activity.
Credit score calculations are placed into five categories between the ranges of 300-850:
- Poor: 579 or below
- Fair: 580-669
- Good: 670-739
- Very Good: 740-799
- Excellent: 800 or above
Generally, credit scores above 670 are considered good, and a credit score above 800 is considered to be an excellent credit score. Most consumers fall somewhere between 600 to 750.
As mentioned, the benefit of having higher credit scores represent more financial responsibility, thus providing creditors and lenders with more confidence that you will be able to repay any future debts as agreed upon. Get a credit report today and see where your credit score stands.
- Equifax
- TransUnion
- Experian
However, information that is provided to each of the three credit bureaus may be different due to the individual creditors furnishing your data. For example, one credit bureau may have more or fewer inquiries than the other two, which could potentially produce different looking credit reports.
Because of this, it's recommended that you request your credit report with each of the three major bureaus so that you have a comprehensive look into your financial standing, and quickly identify any difference that could potentially be affecting it.
Monitoring your credit is tough to do on your own. Your my800Credit.com™ membership provides you with the absolute best platform for your money, credit, and identity all in one.
Sign up to find out how you can start controlling our future credit score today!