Score Analyzer

Score Analyzer brings a unique review of your credit report. It tells you where you stand with over three-dozen components of your three true credit scores. Score Analyzer provides you a complete review and meaning for each component.

Break it Down

Most everyone knows there are five main factors that go into your true credit scores:

• Payment History
• Debt
• Length of Time
• New Accounts
• Mixture of Accounts

However, there is much more to your credit scores than just these five main issues. Out of these five main factors come over 36 direct sub-factors that drive your true credit scores higher. Knowing the details gives you many new opportunities to build your scores.

Score Analyzer breaks down your credit report into mini-grades. It reviews how your credit report stands up to each of these sub-components of your credit report. It is vitally important to recognize these warning signs and take proper action to resolve your concerns in your credit report, build your scores and qualify for greater savings.

Grading

Score Analyzer uses a grading system similar to most schools. A straight "A" means you are meeting your maximum level with a particular FICO measurement. Any "A" or "A-" are considered excellent ratings. Any "B+", "B", or "B-" signify acceptable grades, but there can be additional improvement in those sub-component of your credit report. "C+", "C", and "C-" are warning signs to identify areas of serious concerns. Any sub-components with a "C" are telling you that your scores are dropping from such concerns and need to be addressed. A "D+", "D" and "D-" are grades that indicate substantial concerns with an issue that are causing a significant drop to your scores. These issues must be immediately addressed to get you on the road to 850.

Just because you have a 700 or even 800 credit scores does not signify there are no concerns. A consumer with credit scores at those levels can still have areas in their report that are graded in the "C"s – where there are serious concerns. Additionally, any grades in the "B" level are acceptable. But, there is additional room for improvement within those areas.

Dashboard

Score Analyzer also provides you with a dashboard that helps identify important components of your credit scores. Do you know the number of accounts in your credit report that show a balance, your total credit card debt, your average account age and the highest revolving debt ratio. Your dashboard provides you a quick breakdown of these vital credit score components – and compares them with past performances. You can continually monitor these vital areas so that your travel on the road to 850 will be at a quicker pace and with less effort.

Automatic Updates

You can automatically update Score Analyzer every time you submit your credit report.