Credit Monitoring

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.

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The Looming Credit Crisis: How Student Loan Delinquencies Can Drop the Credit Score of Millions of Americans

The Looming Credit Crisis: How Student Loan Delinquencies Can Drop the Credit Score of Millions of Americans

by | Mar 28, 2025

Millions of Americans are on the brink of a credit crisis as student loan delinquencies are now starting to appear on credit reports for the first time since the pandemic. According to a recent analysis by the Federal Reserve Bank of New York, more than 9 million borrowers could see significant drops in their FICO® Scores in the coming months. This shift could have long-term consequences, affecting access to home and auto loans, credit card...

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Can Old Addresses Be Removed from Your Credit Report?

Can Old Addresses Be Removed from Your Credit Report?

by | Dec 1, 2024

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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Why Credit Monitoring is Essential for Veterans 

Why Credit Monitoring is Essential for Veterans 

by | Nov 8, 2024

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?

by | Nov 6, 2024

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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What is Credit Monitoring and Why is it Important?

What is Credit Monitoring and Why is it Important?

by | Nov 4, 2024

Credit monitoring refers to a tool that alerts you of changes in your credit report and credit scores. It’s a great tool if you want to work on your credit and financial health because it allows you to watch your progress and adjust your behavior to reach your credit goals.

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Why Are There Multiple Names on My Credit Report?

Why Are There Multiple Names on My Credit Report?

by | Oct 14, 2024

You might be surprised to see multiple names listed when you get your credit report. In most cases, you don’t need to worry. In fact, there are often multiple names listed on a credit report. So why is this the case? There are several reasons why you might have multiple names on your credit report.  In this post, we share more about why there may be multiple names on a credit report and what to do if a wrong name on your credit report is...

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What Happens if You Miss a Mortgage Payment? 

What Happens if You Miss a Mortgage Payment? 

by | Sep 18, 2024

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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Why Does My FICO® Score Fluctuate?

Why Does My FICO® Score Fluctuate?

by | May 6, 2024

A FICO® Score fluctuates due to various factors, reflecting changes in an individual’s credit behavior and financial circumstances. These scores are widely utilized by lenders to assess the risk associated with extending credit or loans to consumers. By evaluating factors such as payment history, credit utilization, length of credit history, new credit inquiries, and credit mix, FICO® Scores offer insight into an individual's financial habits...

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Which FICO® Score Do Lenders Use?

Which FICO® Score Do Lenders Use?

by | Sep 12, 2023

If you want to apply for a mortgage, take out a new credit card, or apply for an auto loan, any reputable lender will probably look up your FICO® Score before giving you a loan. FICO® Scores are important indicators of your credit health and will largely determine mortgage terms and lending rates. However, because there are different scoring models, it's essential to know which one your lender will use. In most cases, the FICO® Score they use...

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