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Credit Monitoring & Fraud Protection

With MyScoreIQ, you get more than just your FICO® Scores. We give you peace of mind with industry-leading credit monitoring, financial fraud protection, identity theft insurance underwritten by AIG, and tools to help you build your credit.

Can Old Addresses Be Removed from Your Credit Report?

Can Old Addresses Be Removed from Your Credit Report?

It makes sense for your credit report to contain old credit account information or even loans you settled years ago. But, sometimes, you might be surprised to find old or inaccurate addresses. Don’t worry – most people often find themselves in this situation. So, why do old addresses appear on credit reports? Your creditors usually report your addresses and other credit information to credit bureaus that update your credit report. This means...

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When Is Debt Relief Necessary? 

When Is Debt Relief Necessary? 

Are you drowning in debt, struggling to keep up with payments? Debt relief can be a lifeline. But what exactly is debt relief? When is debt relief necessary?   This article explores what debt relief is, the signs that you might need it, and the different options available to help you manage and reduce your overwhelming debt burden. We cover credit coaching, debt consolidation, settlement, and even bankruptcy, so you can find the strategy that...

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Why Credit Monitoring is Essential for Veterans 

Why Credit Monitoring is Essential for Veterans 

Veterans and service members face unique challenges, especially when it comes to credit health. Strong credit is essential, as it affects access to important needs like housing, loans, and a secure financial future.   Credit monitoring helps veterans and active duty service members overcome these challenges by offering early detection of credit issues, helping them to manage their finances and protect their financial well-being.  Common Credit...

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What Happens If You Go Over Your Credit Card Limit?

What Happens If You Go Over Your Credit Card Limit?

Trying to keep your spending under your credit card limit can be stressful. Sometimes, using up almost all of your available credit might be necessary. But what happens if you go over your credit card limit?   Credit cards are crucial for managing daily expenses and building credit history. However, many people find themselves financially strained, teetering on the edge of their credit limits. All credit card holders should be aware of the...

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How to Improve Your FICO® Auto Score

How to Improve Your FICO® Auto Score

Looking to buy your dream car? Having a strong credit score is an important early step in the process. Your creditworthiness determines the terms of your auto financing, making it crucial to understand how to enhance and maintain a strong credit profile. The most popular scoring model lenders use for car purchases is the FICO® Auto Score, which measures how likely you are to repay car loans.  This comprehensive guide helps you navigate the...

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Does Debt Relief Hurt Your Credit? 

Does Debt Relief Hurt Your Credit? 

Are you struggling with debt, overwhelmed by multiple payments? You're not alone. Many people find themselves in this situation, and debt relief programs may seem like a tempting solution. But before diving in, a critical question emerges: does debt relief negatively affect your credit? This guide unpacks the different debt relief options available, their short-term and long-term effects on your credit, and alternative strategies to consider...

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How Do I Get My FICO® Score 2?

How Do I Get My FICO® Score 2?

If you've stumbled upon this post, you're more than likely on a mission to find out about your FICO® Score 2, especially if you're gearing up for a mortgage application or eyeing that new credit card offer. Understanding your credit score is an essential step in making well-informed financial decisions. So, why the fuss about this credit score version? Well, the FICO® Score 2 is often the go-to score for mortgage lenders to determine whether...

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What is a Tradeline on Your Credit Report?

What is a Tradeline on Your Credit Report?

Understanding your credit report can be daunting, especially when encountering unknown terms like "tradeline." However, tradelines play a crucial role in determining your credit score and overall financial health. This guide breaks down what a tradeline is, how it impacts your credit, and what you can do to manage your tradelines effectively.   Key Takeaways: A tradeline is a record of credit activities associated with a specific account...

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What Happens if You Miss a Mortgage Payment? 

What Happens if You Miss a Mortgage Payment? 

Making your mortgage payments on time is crucial to keep up with your loan, build credit, and stay in your home. But what happens if you miss a mortgage payment? A single missed mortgage payment could result in late fees and negatively affect your credit, and multiple missed payments could cause you to lose your home in foreclosure.   Key Takeaways  Missing a mortgage payment can result in late fees and negatively affect your credit score.  ...

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