Scorewell Protect Max by Identity IQ is the very best site we have found for accurate credit information, and it comes with so many benefits.

  • Get your credit report and score from the three top bureaus: Equifax, Experian, and TransUnion. Data is updated every 30 days.
  • Daily credit monitoring and alerts.
  • $25,000 in identity theft insurance.
  • Monthly credit pulls through this service will NOT lower your credit score.

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Why You Regularly Should Monitor Your Credit

Would you go for months without checking your bank account balance? Would you ignore reviewing your monthly credit card statement under the assumption that all the charges on it were valid? If you’re like most people, you wouldn’t, and the same thinking applies should apply to your credit history. Why should you check your credit report?

Accuracy. While the three credit reporting agencies do their best to collect accurate information on each consumer, they are not infallible. Your report may have inaccurate data that can result in a lower score. If there is another individual with a name similar to yours, it is possible for the credit agencies to confuse their data with yours, and erroneously include information about the other person in your report. You should check your credit report at least once annually, and ideally three times a year, to make sure everything is in order.

Identity Theft. Reviewing your credit report annually is a great way to make sure you are not the victim of identity theft. Credit reports contain accounts opened in your name using your social security number, address and date of birth. It is one of the best ways to find out if someone is using your information to open new accounts and run up debt.

Loan Worthiness. If you are about to attempt to secure a loan for a large purchase, such as a home or a car, it is a good idea to check your credit report prior to applying. Not only will it allow you to see what the lender is seeing prior to approving/rejecting your loan application, but it also will give you the opportunity to make sure all data is correct prior to someone else viewing it.

The credit experts at Scorewell are happy to offer a complimentary consultation about your credit situation. Connect with Scorewell today to discuss factors that determine your credit score and strategies to improve your financial picture. Email Us