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5 Best Ways to Ensure Your Credit Score Is Not Affected



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Keep track of your creditworthiness.


James Martin / CNET

If you were one of the people affected by the Equifax Data Protection Infringement you already know how important it is to monitor your creditworthiness. Your credit rating is an important part of your financial image – especially when you apply for credit cards or credit and for larger purchases such as deposits for a new home or a new vehicle. Participating in your loan is another way to make sure your identity has not been stolen . Keep in mind that checking your credit history does not affect your creditworthiness.

If you have not checked your credit history lately, start with a well known company like Experian and Credit Karma (full list below). Some offer a range of services at different prices, including a free online check and a free 30-day trial. Keep in mind that some companies need your credit card details but usually offer additional services, such as: For example, insurance against identity theft and identification of suspected use of your social security number.

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How does a credit score work? Everyone starts with a FICO score, which is a credit rating between 300 and 850. The higher the number, the better. Some factors that affect your FICO score are "hard requests" such as applying for credits (your credits are currently being reviewed). "derogatory" points such as late payment of an invoice (this can keep your score low); and how much of your total balance you use (the less you use, the better). They receive a FICO score from the three major US credit bureaus Experian, TransUnion and Equifax. The breakdown of these services is as follows:

Read: The Best Services to Monitor Identity Theft for 2019

Experian

  • Free 30 Day Trial
  • Price: $ 20 per month [19659016] Provides a tool to help Increase your credit rating
  • Includes identity theft surveillance
  • Says that fraud is fixed if your identity or personal information is stolen.
  • Displays your FICO ratings for all three offices (Experian, TransUnion, Equifax).
  • Monitors your credit
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Screenshot by Katie Conner / CNET

Experian (or download the app for iOS or Android) is one of the major credit monitoring services offering your FICO results for the three offices. Experian can help you boost your FICO score by using prepaid charges on your credit. Your new credit scores will take effect immediately.

The company monitors identity theft and scans daily Dark Web Pages to see if your information has been stolen. If something is discovered, the support team will help, according to Experian.

TransUnion

  • $ 25 per month
  • Includes free identity protection
  • Unlimited access to points and reports
  • Credit Lock Plus
  • Up to $ 1,000,000 in ID theft insurance

Also among the top 3 major credit monitoring services is TransUnion (or download the app for iOS or Android). With TransUnion, you can review your credit score report as many times as you want to see if your score has changed.

Identity protection is provided by Javelin, a provider of identity protection services. Your monthly fee includes credit monitoring, instant notifications when someone applies for credit on your behalf, and up to $ 1,000,000 in theft insurance. TransUnion Credit Lock is a service that locks your credit profile until you unlock it. For example, if a criminal asks for a credit on your behalf, the lock prevents him from stealing your credit information.

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Screenshot by Katie Conner / CNET

Equifax

  • $ 5 for a 30-day trial
  • $ 20 per month
  • Displays your FICO score with three offices
  • Includes identity protection
  • Sends alerts suspicious activity
  • Monitors Credit and Social Security Number

Equifax's third US major credit bureau (or iOS download) suffered one of the worst privacy violations of the in 2017, more than half all Americans were affected . Equifax has a three year plan to regain your trust . If you have been affected by the breach of privacy, you can file a claim and receive a free subscription to Equifax or receive a cash payment.

If you forgive, Equifax's services are comparable to those of its competitors. It provides a copy of your Equifax credit report and monitors your credit and social security numbers by scanning websites selling consumer information. Equifax also sends alerts about suspicious activity, such as: For example, apply for credit on your behalf on the other side of the country.

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Screenshot by Katie Conner / CNET

Read: How the Equifax hack has happened and what needs to be done

Karma credit

  • Free
  • Get free credit
  • Get credit
  • Shows credit and how they affect your score

Credit Karma (or download the app for iOS or Android) is a personal finance company. You can use it to check your credit scores as often as you like. You can also access your credit scores through TransUnion and Equifax, but not through Experian. Credit Karma monitors your balance and sends weekly updates and alerts you when your balance changes.

The website also displays your balance and credit factors that affect your balance, for example, if you use too much of your credit, credit card limits, derogatory trademarks, and hard requests.

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Credit Karma displays your TransUnion and Equifax results.


Screenshot by Katie Conner / CNET

Mint

  • Free
  • All personal information is encrypted

Mint (or downloading the app for iOS or Android) is a free service for managing your personal finances. Not only can you keep track of your payments, but you can also find out where your credit is missing, for example, if you do not have a long credit history, and where it pays, such as paying your bills on time. Mint shows you on a screen your on-time payments, credit usage (so you can see if you've reached your limit), and the average creditor.

After you have verified your identity, Mint sends your credit report summary and credit monitoring notifies you when your score goes up or down.

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FreeCreditReport.com

  • Free
  • Review your Experian credit report
  • Update information every 30 days
  • Monitor credit usage, hard requests and late payments
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FreeCreditReport.com displays your Experian credit report.


Screenshot by Katie Conner / CNET

FreeCreditReport.com is a reduced service from Experian that gives you free access to your credit report. The company provides you with updated credit information every 30 days. You have access to your account history, such as real estate and debit accounts. FreeCreditReport.com will show you hard requests for your account, track your credit usage, and indicate potential signs of late payments.

Note that here only your credit report and not your credit is displayed. To see your score, upgrade to Experian CreditWorks Plus. You can get a 7-day trial for $ 1.

Mixing and customizing services can help keep more ground under your feet.

There are many ways to check your balance. You can choose a service or pair free services to access your FICO score from all three main offices.

However, keep in mind that you will not get the promised credit protection and monitoring provided by Experian, TransUnion, and Equifax.


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