Don’t you want to see the same credit report and scores lenders see and use?

My Credit Plan is one of the few consumer resources that provides you your lender’s credit report along with your lender’s 3 Classic FICO credit scores, used by ALL mortgage lenders, and most auto and credit card lenders.

Did you know there are over 50 versions of FICO Scores that are all different? You can know precisely where your 3 FICO Scores are before you apply for a loan. Getting the correct information will help you negotiate the best terms on any loan.

My Credit Plan’s Qualifier provides you with critical information. There is usually tens of thousands of dollars at stake for many loans and other financial services.

Since My Credit Plan provides you with the same report and Classic FICO scores lenders use, it also provides your possible mortgage, auto loan, credit card and insurance qualifications. My Credit Plan provides you with options so you can identify the best loan and insurance coverage for you.

Remember, you still have to get approved through your lender.

My Credit Plan’s Planner has an exclusive proprietary analysis. When your credit report is requested through My Credit Plan (available with the Gold program), the Planner is a personal Plan-of-Action that reviews your entire credit report looking through each account for every identifiable solution to improve your FICO® credit scores. FICO Scores increase when the following questions in your credit report are answered correctly:

1. Accounts to Pay Down (by priority)
2. Accounts to Close
3. Accounts to Keep Open
4. Accounts to Use
5. Account Activity Missing

My Credit Plan is the only program that answers all of these questions. This is the reason why My Credit Plan leads the competition by 3x, a stunning 81-poiint average improvement.

Lenders don’t spend the time to assist with credit score improvement unless it is simply to get your loan approved. My Credit Plan helps you qualify for the lowest rate possible for your situation. This can save you huge amounts of money!

Choose the option that works best for you. Remember, there is never a ‘Hard Inquiry’ on your credit report since My Credit Plan is operated by Family Financial, a 401(c)(3), non-profit certified credit counselor. My Credit Plan is for credit score improvement and credit counseling.

You can change your program anytime. When a program is changed, the FICO® Scores will not be updated until 30 days after the most recent program change.

1-Score Update
You can receive a rotating 1-(Classic) FICO® Score update between the three major credit bureaus. For example, receive your Experian® Classic FICO Score the first month, the Equifax® Classic FICO Score the second month, and the TransUnion® (Classic) FICO Score the third month.
This works best for those improving their FICO Scores over a longer period of time.

2-Score Update
You can receive a rotating 2-(Classic) FICO® Score update between the three major credit bureaus. For example, receive your Experian® and Equifax® (Classic) FICO Scores the first month, the Equifax and TransUnion® (Classic) FICO Scores the second month, and the TransUnion and Experian (Classic) FICO Scores the third month.
This works best for those improving their FICO Scores over a period less than 12 months.

3-Score Update
You receive all 3 (Classic) FICO Scores every month.
This option is best for those that want to track all 3 FICO Scores every month or need to make to track over a short period of time, such as within six months.