Score Tracker offers three valuable tools to better manage your three true credit scores – those used by your lenders and insurance companies.
First, it allows you to know your three scores at your convenience. Second, Score Tracker offers an historical view of your three true credit scores. You can see its progression as you make changes to your credit profile. Finally, Score Tracker will give you money saving tips when you qualify for lower interest rates on a variety of loans and premiums for auto and homeowners insurance.
Score Tracker is Different
There are a handful of websites that allow you to track credit scores. However, Score Tracker is different. It allows you to track the three true credit scores – those used by nearly every lender and insurance company. No other tracking system offers you this opportunity.
Don't Be Misled
The credit bureaus offer to sell you three credit scores generated from their own internal systems. These are not your true credit scores. These inaccurate credit scores are found at the following websites:
- Or even lender's
Examine recent news stories that highlight the problem of these inaccurate credit scores. They are extremely misleading and are usually higher than your true credit scores. On average, these "fake" educational credit scores try to simulate your true credit scores, but they are never accurate.
Experian has offered this disclaimer with their credit scores:
The PLUS Score, developed by Experian, and the different risk levels presented it, are for EDUCATIONAL USE only. The PLUS score is not currently sold to lenders, and is not an endorsement or guarantee of your credit worthiness as seen by lenders.
So why track scores that have absolutely no relevance to your credit worthiness?
It breaks down like this. You go to college and track your grades. You finish the semester and the system you are tracking tells you that you will get an "A" in math, a "B+" in English and an "A-" in history. You get your final grades for the semester and to your surprise, you got a "B-" in math, a "C" in English, and a "B-" in history. You discover fell significantly short of your expectations. This is similar to these fake credit scores. They are never spot-on and are oftentimes up to 30 points off your true credit scores. That small difference can cost you thousands of dollars.
An Historical View
Do you remember your true credit scores when you last checked them? Score Tracker offers an historical view of your three true credit scores. It provides a greater tool to access and track your scores. Other score tracking systems give you an historical view of fake credit scores. Score Tracker is the only system that allows you to track your three true credit scores.
Finally, anyone with credit scores below 780 may see additional charges in the form of higher insurance premiums or higher loan interest rates. Score Tracker has access to several national companies and has identified certain key levels along the credit score spectrum where you could realize greater savings from lower loan interest rates, and decreased insurance premiums on auto or homeowners insurance policies.
Identify Your Biggest Concerns
Score Tracker allows you to track all the negative factors that are dropping your scores. Resolve these issues and you are on the path to higher scores.
Easy to Manage
Score Tracker allows you to track all three true accurate credit scores. My Credit Plan helps you track your true scores through several sources. You can load your updated credit scores to My Credit Plan after applying for applying for a loan.
Your Score, Your Terms
You can request your scores numerous times. Select the tracking program that best fits your needs. It is entirely up to you. You can also manually input your FICO scores from lenders when you apply for a loan. Either way, the system is designed to track your most important asset – your three FICO credit scores!
No one else, not even the three credit bureaus or FICO themselves offers such a program.