Most Consumers Have Lost Purchasing Power

  • From what? Less than excellent FICO credit scores.
  • The costs to such consumers can usually add up to several thousands of dollars when purchasing a new home or car, refinancing any loan, or simply from paying more for auto or homeowner’s insurance premiums.
  • At a minimum, an average consumer in the low-to-mid 700s can easily spend several hundred dollars extra each year, an average consumer with scores in the 600s can easily spend an extra thousand dollars or more each year, and an average consumer with scores in the 500s can spend several thousand dollars in loss purchasing power each year.
  • The first step to increase your purchasing power is to increase your FICO® credit scores.

Analyzer Provides a Full Spectrum Review

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

From these five main factors are nearly three-dozen direct sub-factors that drive your lenders credit scores higher -- or lower. Can you name them? Do you really want to know? If you don’t know them, the chances are good that you are losing many valuable credit score points. Analyzer can help you in a way no one else can.

  • Analyzer provides a complete full spectrum, ground-breaking analysis of your credit report on three-dozen factors utilized by your lender’s credit scores. Analyzer is far superior to any lender, credit counselor, or other review because of its complete, far-reaching analysis.
  • Many lenders, credit counselors, and other programs only analyze your credit report on a few credit score factors. Analyzer gives you a full spectrum analysis.
  • Because Analyzer provides far greater depth and insight to your credit report, you can learn about many lesser and some unknown facts that can cost you many valuable points.

Analyzer stands alone in its detail and review. Nothing compares. You can literally spend considerable time scrolling through the insight offered from the Analyzer. Knowing the details found in the Analyzer can help you know, and probably save you thousands of dollars by increasing your purchasing power, now and in the future.

Want to Know Where You Really Stand?

Analyzer is a phenomenal tool. It grades each of these credit score sub-components in your credit report with grades A through D- similar to a school report card. "A" means you are meeting your maximum level with a particular credit score component. Any less than an “A” and that certain factor is lowering your credit scores.

  • "A" or "A-" is considered an excellent rating.
  • "B+", "B", "B-" signify acceptable grades with room for improvement.
  • "C+", "C", "C-" identifies areas of serious concerns.
  • "D+", "D" "D-" indicates substantial concerns.

Any issue in your credit report with a “C” or a “D” grade is cause for serious concern. Despite having a 700 credit score, most consumers will probably still have some serious concerns in their report that are graded in the "C"s. Slight concerns with "B" grades are usually acceptable. But, there is additional room for improvement.

Each sub-factor also has a pop-up tab that helps you understand the issue with each underlying component. Place your mouse on top of the balloon and a pop-up window will provide a detailed explanation of each sub-factor. This can help you attain a much greater understanding of these sub-components that are so vital in determining your lenders credit scores.

Some issues you can address immediately while others may take some time.

Identify Critical Components

Analyzer identifies important components of your credit scores. Do you know the following?

  1. The number of accounts in your credit report that show a balance?
  2. The total credit card debt, your average account age?
  3. The longest established account?
  4. The highest revolving debt ratio?

These are all critical factors into your credit score. What is acceptable and what needs improvement. You can quickly discover those issues that need improvement.

Additional Analysis

Analyzer provides even more information:

  1. The number of hard inquiries.
  2. The balance-to-credit limit ratios on all open credit cards.
  3. The balance-to-initial loan amounts on all installment and mortgage loans.
  4. List all the (if any) derogatory accounts.
  5. The number and types of late payments.
  6. Reviews collections, judgments, tax liens and bankruptcies.

Put together by the nation’s leading FICO® score experts, Analyzer is a one of a kind program. No program offers the depth and detail as the Analyzer.