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Your credit score is a number that rates you on how you have managed your credit. Your score is used by lenders, retailers, car companies and landlords when you apply for a loan or want to pay with credit, helping them evaluate how risky you are with credit.

Your credit score is one of the most important tools for your financial health. A good Credit Score could help lower your payments for mortgages, car payments, credit cards, insurance premiums and more. It could save you thousands of dollars or increase your chances of getting a loan.

That is usually the case. That's because your score helps others evaluate how risky you are, and is a good predictor of whether or not you will make future payments. People with high credit scores will usually be given a loan before someone with a low credit score.

Your credit score will range between 300 and 850. A higher score such as 750, indicates you've done a good job managing your credit, while a lower score like 550, indicates you've done a poor job and are a higher risk.

No it won't. We are able to retrieve your score as a "soft inquiry" which will not lower your score.�You can, and should, check your score as often as you like over an extended period of time. Doing so will not lower your score.

The most important factors are accounts in delinquency (late payments), your total outstanding debt, the length of time you've been building your credit and the number of lender inquiries on your credit report.�We show you which factors impact your score.

You should check your score regularly, just like you check your physical health. We recommend checking your score every month.�We make it easy for you to check your score any time, any day of the week.

Sometimes you will want to check your score immediately, such as when you need a loan for a new car or home. If your score is high, you're more likely to be approved for the loan and pay a lower interest rate. If your score is low, you may want to delay the purchase.

Your credit score is a complex mathematical model calculated from your credit report. Late payments (if any), the number of credit accounts, and credit utilization are some of the items found in your credit report that are used to create your credit score.

There are several companies (usually called bureaus) that provide credit scores including TransUnion®, Equifax, Experian and Fair Isaacs (with the FICO score).

We recommend you get both since lenders (and others) look at both your credit score and credit report when evaluating your credit worthiness. Your credit report provides all the details while your score summarizes those details.

Your credit report lists your open and closed accounts, account balances, late payments, credit inquiries, credit limits, credit utilization and more. For instance, it could�include details about your home loan, auto loan, department store accounts, gas station charge cards and credit card companies.�

Almost any time you apply for new credit (auto loan, department store charge card, new credit card, etc.) the lender who is considering your loan application is reviewing your credit report. If you're applying for a new job, your potential employer may conduct a pre-employment screening .

Your credit report can sometimes contain inaccuracies. If those inaccuracies are not caught, disputed and corrected, you can end up paying too much interest for your next auto loan, charge card, or home loan. Correcting those negative inaccuracies may lower your interest rates and payments.

It's important to check your report for inaccuracies because it may result in higher payments, or being rejected on an application for credit. If you find any inaccuracies, you should dispute it with the credit bureaus and have it removed. We monitor your report and show you how to dispute any inaccuracies you may find.

By using our credit report and monitoring plan, you will receive instant alerts when changes are reported. This could be due to fraudulent activity by hackers and ID thieves, ruining your credit and reputation. Fraudulent activity can happen at any time but we'll alert you of changes as long as your protection plan remains active.

You will get alerts whenever there is a significant change to your credit report such as new accounts, inquiries, judgments, liens and more. So if there are frequent changes, you will receive frequent alerts. If those alerts are a surprise to you, that's a strong indication there may be fraudulent activity occurring.

There are three credit reporting agencies, TransUnion®, Experian and Equifax (often called bureaus) and each one has their own version of your credit report. Each one is likely to have the same information, but there may be differences.

We recommend checking your report from just 1 bureau because it saves you time and money, and the 3 reports are likely to have the same information anyway. Checking all 3 can be difficult and our research indicates most people review just one of them. For special needs such as recovering your stolen identity, looking at all 3 is recommended.

Over 8 million Americans are victims of identity theft each year. You likely know, or will know, someone who is a victim already. From online data theft to dumpster diving to a stolen wallet, there are many ways that hackers and ID thieves can steal your identity.

Identity thieves can access your bank accounts, get new credit cards and even buy a home -- all using your good name and credit. They abandon the scene and leave a path of destruction, leaving you to clean up the mess -- and your credit.

Once you've signed up, you'll receive a complete suite of identity protection tools to monitor your bank accounts, credit cards, social security number and other sensitive information. We'll even pay up to $1,000,000 in expenses to help you restore your identity.

CyberAgent reduces your risk of identity theft by monitoring the Internet worldwide where criminals buy, sell and trade over 8 million stolen identities every year. We continually look for the personal information you gave us and promptly notify you if we detect any evidence of your information being traded or sold online.

Cyber Agent monitors a potent collection of your personal information, including bank account and routing numbers, credit and debit card numbers, social security numbers, phone numbers, email addresses and more.

Our ID Theft insurance -- with zero deductible -- reimburses you for out-of-pocket expenses related to identity theft restoration, up to $1,000,000. This includes loss of income, child/elderly care, fraudulent withdrawals from a bank account, replacement of documents, travelling expenses and legal costs. Plus, we will retain lawyers, investigators and case managers on your behalf.

If your identity is stolen, we go beyond traditional services by offering a robust solution for non-credit restoration including payday loans, IRS, DMV and court records. We have US-based representatives to help you, including bilingual help, hearing impaired services and voice/email/chat communication options.

Our Lost Wallet service helps you quickly and easily cancel and replace all items commonly carried in wallets and purses including credit cards, debit cards, checkbooks, driver's licenses, Social Security cards, insurance cards, passports, military identification cards and even traveler's checks.

Yes we do using an intuitive, easy-to-view map. Our sex offender monitoring provides alerts and reports that enable you to discover and monitor registered sex offenders living in your immediate area, and be notified if a new sex offender moves into your area or fraudulently registers in your name.

We will charge just $1.00 for your Credit Score, Credit Report and enrollment into the Credit Monitoring and ID Theft Protection plan. We verify your identiy before activating your plan, to ensure your information is protected and kept away from ID Thieves and others. Your Credit Monitoring and ID Theft Protection will activate at that time, and then automaticallly continue 7 days's later for continued, uninterrupted protection. If you do not want this protection, simply cancel before the 7 days's are up and no further charges will ever apply. If you choose not to cancel however, your plan will renew for the low price of just $39.94 per month. This is billed directly to your credit card and will automatically continue until you cancel.

Cancelling is easy and hassle-free. You may cancel your subscription via email at support@creditreview.co, online using our contact form, or by calling us at (800) 309-7150.

CreditReview.co is a nation-leading provider of consumer credit information and protection services based in California, USA. We are experts at aggregating, delivering and presenting useful information which can help our customers make informed decisions to identify opportunities to improve their lives, protect their identity and create personal connections to enhance their businesses and personal network. We are located at Nations Info Corp.
310 North Westlake Blvd., 200,
Thousand Oaks CA 91362.

You may call us toll-free at (800) 309-7150 or contact us online anytime, 24 hours a day, 365 days a week. We are located at Nations Info Corp.
310 North Westlake Blvd., 200,
Thousand Oaks CA 91362.