ScoreWatcher gives you
Always have access
to your real-time credit information
Get a full breakdown
of your credit profile and scores
Track and monitor
your credit scores and profile.
Credit consumer statistics
1 in 8 consumers are unaware of their credit score.
71% of consumers are totally unaware of the various ramifications associated with a bad credit score.
44% of consumers are not aware that higher rates on any approved loans would negatively impact their score.
What it is
A Better Way to Track Your Credit
ScoreWatcher is a mobile-friendly web application that helps you understand, track, and monitor your credit profile. You will get updates and alerts with our credit monitoring feature so that you will be updated in real time if your credit has anything happen to it. On top of all of this, ScoreWatcher provides you with $1 million in Identity Theft Insurance so that you can rest assured knowing that your identity and your credit are being tracked and protected.
How it works
Build a Healthy Credit Profile
You will be provided with your full TransUnion credit report that will give you an in-depth look at your credit profile. Along with this you will get monthly updates on your TransUnion Vantage Score as well as a way to track it month after month as you work on building a stronger profile.
CIG Platinum Membership
Credit Monitoring services can get quite expensive and confusing, but having this product along with the other products in the CIG Membership your credit will be easier than ever to understand and follow.
What is a Credit Score?
A credit score is a number that summarizes your credit history and is determined by your history of on-time payments. Lenders/Creditors will use this number to determine your eligibility for new lines of credit.
How often do Credit Scores change?
As often as information is added to your credit report (i.e. payment history or opening new lines of credit).
What is a ‘good’ Credit Score?
While lenders determine ‘good scores’ at their own categories of risk, a good credit score typically ranges between 670-740.
How is a Credit Score determined?
Credit scores are determined by three factors including open lines of credit (mortgages, car loans, credit cards, etc.), public records (delinquencies or judgments), and inquiries (a request made by lenders to view your credit history).
Do Inquiries affect my Credit Score?
Multiple credit inquiries can have a negative impact on your credit score however most institutions recognize when you are shopping around for the best rates and will count them as one inquiry.
How does my Credit Score affect my ability to get a new line of credit?
Your credit score is what lenders use to determine the creditworthiness or risk associated with providing you a new line of credit.
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