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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.

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What Does a Tri-Merge Credit Report Mean?

What Does a Tri-Merge Credit Report Mean?

by | Dec 7, 2022

Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards. Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries and by whom. The credit reporting bureaus are organizations that keep track of your credit history. There are three major credit bureaus in the United States: Equifax®, Experian®,...

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How Do You Negotiate with a Debt Collector?

How Do You Negotiate with a Debt Collector?

by | Oct 19, 2022

When you become delinquent on a debt to a business or creditor, the debt may be sold to a third-party debt collector. The debt collector can contact you to settle the debt and can even file a lawsuit against you if you won’t pay. If you don’t think the debt is legitimate, you may be able to dispute the debt and get it dismissed entirely. But, if the debt is legitimate, it’s generally a good idea to settle it so that it shows up as paid on your...

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How Can Budgeting Help Your Credit Score?

How Can Budgeting Help Your Credit Score?

by | Aug 23, 2022

The simple act of creating a budget won’t affect your credit score one way or the other. But budgeting can help prepare you to live within your means, pay your bills on time and effectively manage your debts. These benefits can have a direct positive impact on your credit score over time. How Budgeting Can Positively Impact Your Credit Score Having a budget allows you to keep track of your cash flow, both incoming and outgoing. Staying...

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How to Prepare Your Credit Score for a Recession

How to Prepare Your Credit Score for a Recession

by | Aug 19, 2022

With record high inflation and rising interest rates, fears of a recession continue to plague the U.S. economy. Recessions cause economic distress for businesses and consumers alike, but they can also threaten your credit scores. You don’t have to wait for an official recession to occur before you start working to protect your credit. Take the steps now to help prepare for a recession. How Does a Recession Negatively Affect My Credit Score?...

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How To Check Credit Scores Without A Social Security Number?

How To Check Credit Scores Without A Social Security Number?

by | Jul 21, 2022

A Social Security number (SSN) is a term used for a nine-digit number assigned by the U.S government to its legal residents. Your SSN is mainly used to monitor employment and earning rates for Social Security benefits. However, both citizens and non-citizens also use their SSNs to apply for bank loans and bank accounts and determine their credit scores. You can do all these with your SSN. But there is a big question: Can you check your credit...

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Does Applying for a Debit Card Affect Your Credit Score?

Does Applying for a Debit Card Affect Your Credit Score?

by | Jul 5, 2022

When it comes to your credit scores, it’s essential to pay attention to what can impact them. Depending on your credit, you can get better rates on loans, mortgages and credit cards. But does applying for a debit card negatively impact your credit? Here’s everything you need when it comes to debit cards and your credit. Does Getting a Debit Card Impact My Credit Score? Most lenders tend to use credit scores, a three-digit number, that comes...

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