Get your Experian® Credit Score, plus so much more! Use the new freecreditscore.com™ app for Android™ to get notified when there’s a change to your credit, see how your Score changes over time, set credit goals, and use the Score Planner to understand how life events could positively or negatively affect your Credit Score. With enrollment in freecreditscore.com, members can now enjoy true hands-on Credit Score Monitoring on Android.
Not a member yet? Download the app for free, explore our credit education content, estimate your Experian Credit Score with our Score Planner, or sign up for a 7-day free trial membership to get your Experian Credit Score to see all the benefits of membership (credit card required). After trial, full membership is just $9.99 per month if you love it, or cancel anytime directly in the app with just a few taps.
The revolutionary freecreditscore.com app for Android gives members unlimited access to their interactive Experian Credit Score and Credit Report. Tap, spin and interact with your full credit picture in a completely re-imagined way.
• Experian Credit Score – See your Score history on an interactive graph to gain insights into how and why your Score is changing. Find out which factors are helping and hurting your Score.
• Credit Summary – The Credit Summary Wheel can help you easily see the five key areas that most influence your Experian Credit Score to help you better understand your credit.
• Score Planner™ – Our interactive Score Planner lets you see how various credit decisions, like applying for a loan or paying off debt, could positively or negatively affect your Experian Credit Score. Score Planner is available to members and non-members.
• Credit Monitoring & Alerts – We alert you to any key changes such as new credit accounts opened in your name, an address change or inquiries on any of your accounts. Get notified when there is a change to your credit or your Score, or when your monthly credit statement is available.
• Credit Reports & Monthly Statements – As a member, you get unlimited access to your Experian Credit Report where you can see details on all your credit accounts, and your Monthly Credit Statement, a monthly snapshot of all your vital credit information.
• Identity Protection – We work to keep your identity your own with daily identity theft monitoring, dedicated Fraud Resolution Support to help you handle any suspicious activity, and a $50,000 Product Guarantee.* Membership includes access to a live Fraud Resolution Representative 7 days per week.
• Credit Resources – We offer the latest credit information you need to help understand your Credit Score including: Videos and a Credit Glossary.
If you’re already a freecreditscore.com member, just sign in with your Username and Password. Understanding your credit has never been easier with freecreditscore.com for Android.
*Due to New York state law restrictions, the freecreditscore.com Guarantee cannot be offered to residents of New York.
Free, Helpful Features for Your Credit:
• Credit reports and scores provided by both TransUnion and Equifax
• Weekly updates of credit scores and reports
• Daily monitoring of your TransUnion credit report
• Push notifications for credit alerts
• Personalized recommendations
• Tools to track all your reported accounts in one place
• Credit reports and scores provided by both TransUnion and Equifax
• Cleaner, redesigned layout
• Upgraded dashboard quickly highlights key changes to your credit profile
• Easy-to-read list of your alerts and notifications
We’ll be continuing to update our app in the next few months with new features. Stay tuned!
CREDIT KARMA HAS BEEN FEATURED IN
• Wall Street Journal
• USA TODAY
Credit Karma is both a free consumer service and a personalized marketplace. We provide more than 35 million people with free credit scores, reports and credit monitoring, and we specialize in helping you find financial products that fit your specific needs. We believe that taking charge of your credit and reaching your financial goals go hand in hand. To learn more, visit www.creditkarma.com.
Frequently Asked Questions:
Q: Is Credit Karma really free?
A: Yes. Credit Karma will never ask for your credit card information.
Q: Will accessing my credit report hurt my credit?
A: No. Checking your own score does not negatively impact your credit score.
With our safe and secure app, you can monitor the real cost of your credit cards, loans and mortgage and get unbiased advice to help you take action and save money. Plus, see how your credit score has changed over time and learn how you can protect or improve your financial standing. There are no fees and no credit card is required.
Credit Sesame—Smarter financing for your world.
EASILY MANAGE YOUR CREDIT AND LOANS WHEREVER YOU ARE
• Track your credit score every month for FREE
• Protect yourself from credit and identity theft with free credit monitoring
• Get analysis of your existing credit and loans
• Save money and earn rewards by applying for a new balance transfer or rewards credit card
• Looking to purchase a home? Our Home Buying Power feature can tell you how much home you can actually afford
• Find new mortgage and home refinancing options
• Save money with our unbiased recommendations
• Online or on-the-go, your mobile and web accounts are always in sync
YOUR PRIVACY AND SECURITY ARE OUR PRIORITY
• Bank level encryption practices ensure that with Credit Sesame, your information is always safe
• Your account and personal data is protected with a unique four digit PIN
• Mobile access to your account can easily be deactivated from your CreditSesame.com profile page if your mobile device is lost or stolen
AS FEATURED IN...
• The Wall Street Journal
• The New York Times
• NBC’s TODAY Show
• CNN Money
Equifax Places on your Android device utilizes your GPS location to show you:
- Equifax Credit Score™: Average credit scores in your area
- Fraud Index: The frequency of identity fraud in your area
- Credit Rankings: How your credit measures up to others in your area
Want more? With an eligible Equifax product, you can also:
- Lock and unlock your Equifax credit file*
- View alerts about key credit file changes
- Check your Equifax Credit Score–anywhere, anytime
- Get one-stop protection if you ever lose your wallet
…all from your Android device! Try it for FREE now.
Equifax Credit Rankings™ and Equifax Fraud Index™ are trademarks of Equifax Inc.
*Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you.
Now you can check your credit score for free using the MyScore Android app on Google Play! We provide a free trial and unlimited credit monitoring from all three major credit bureaus. We offer unlimited access to all three credit reports and credit scores and complementary credit monitoring to ensure you are not a victim of fraud and identity theft. Download our new free app today and check your scores and reports!
With the MyScore app you will receive:
■ Free 3-Bureau Report and Scores from Experian, Equifax, and TransUnion
■ Customize your alerts to be notified of key changes to your credit file
■ Dedicated ID Theft Assistance and Insurance
■ Credit Score Monitoring with Custom Alerts
■ Social Security Number Monitoring - Receive an alert if your SSN is found on suspected Internet trading sites.
What is a credit score?
A credit score summarizes your entire credit report information into one number. This number is calculated by a mathematical equation that evaluates many types of information from your credit report at that particular credit-reporting agency. By comparing this information to the patterns in thousands of past credit reports, scoring identifies your level of credit risk. Your score tells a lender how likely you are to repay a loan, or make credit payments on time. The higher your score is, the better chance you have of getting the credit you apply for.
How is my credit score used?
Credit scores are one of the main tools creditors, employers, insurance and finance companies rely on to determine your creditworthiness. Your score is a quick snapshot that is often used when credit decisions are made quickly. Creditors may also obtain your full credit report, to access more detailed information to aide their decision on your level of risk.
Each of the national credit reporting agencies, Experian, Equifax, and TransUnion, also offers industry-specific scores and methods to check credit. An industry-specific credit report score allows lenders in the various industries to better assess certain factors in your credit file. For instance, a lender in the automotive finance industry might request a score model that more closely evaluates your auto loan payment history. The actual score is based on the credit data available in your file with that credit reporting agency, and may vary from one to another. Your credit score rating may also vary, depending on the credit report score model requested (Auto specific, mortgage, etc).
How is my credit score calculated?
There are many types of score factors that can have a positive or negative effect on your score. The factors are listed in order of the degree to which they affect your score negatively, meaning that the factor listed first is what most decreased your score. Some examples of score factors include but are not limited to:
• Too many inquiries (how often you apply for credit)
• Too many serious delinquencies (how timely your account payments are)
• Too many recently opened accounts (how often you have opened new lines of credit recently)
• Average balance of revolving accounts is too high (what you owe vs. available)
• Too few mortgage accounts (what types of credit do you use)
How often is my credit report updated?
In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc.
This is a useful App for reviewing your credit file on the go. With this App you get:
• Unlimited access to your Equifax credit file – at your fingertips when you need it
• Expert tips to help you understand your credit report – and how it can help you get the credit you want
• Receive credit alerts when changes are made to your file and help protect you from ID Fraud
• Comprehensive support from our Customer Care team
This App will help you access your free credit report and how you can use it to improve your Credit Score, which can help you get more favourable rates from lenders. Do your credit check while on the move!
If you are already an Equifax Member you can download the App now and type in your Member Login details.
If you are new to Equifax, you will need to register before you can access your credit information on the App.
Credit Check App gives you access to all of your financial information - mortgages, bank accounts, bills, loans, credit cards and, of course, your scores — all in one location, all under one account, Get tips on raising your credit report. all for FREE.
For many consumers check credit score the excitement of buying a new car, new home or some other well deserved but high priced item can come to a grinding halt if their credit scores are low. With that in mind it's vitally important to preserve your credit score while at the same time making sure you can do everything legally possible to send your credit score towards the higher end of the grading scale. After all this number is the key to obtaining a large amount of credit at very favorable rates. Let's take a look at a few ways you can achieve and more importantly sustain a high credit score.
Currently the most commonly used check credit score is the widely popular FICO (Fair Isaac Company) score. The median FICO score for the average United States consumer stands at about 723. A credit score in this range will qualify you for the average rates that are offered nationwide. Fall below this median average with your credit score and you will be subject to higher rates resulting in a higher monthly payment. Maintain a credit score higher then the FICO average of 723 and you will be able to obtain credit at a much more favorable rate and thereby enjoy lower monthly payments resulting in more discretionary dollars from your hard earned paycheck at your disposal.
Clearly you can see why having and maintaining a higher credit score is obviously to your economical benefit. The key to obtaining and keeping a high credit score is to closely monitor several factors that could and will influence the bottom line of your credit score. They include the following: Paying your bills on time, maxing out your credit cards, applying for a new mortgage, vehicle loan, credit card or department store card. They may also include applying for new credit cards in order to conduct balance transfers or false money juggling, declaring bankruptcy and other financial activities that may not benefit your credit score in a positive light or fashion.
Probably the best way to make sure you keep your credit score high is to regularly and closely monitor your credit report. This detailed report shows your entire credit history and plays a large part in determining your credit score when lenders run a check against your credit before you obtain financing through their establishment or company. Make sure to obtain a copy of your credit report at least once every year. This annual checkup of your credit will only increase your chances of keeping your well earned credit score higher versus lower.
Learn what factors can affect check your credit score and get helpful tips on how you can improve your score. Review your free credit score and report from all 3 bureaus. Best price for the best product. Get yours today!
Now accessing your Credit Alert® monitoring alerts and current credit status is more convenient than ever. A simple download gets you enhanced, on-the-go, mobile access to your account information, including:
• New Accounts or Applications in Your Name
• Certain Changes to Your Credit Profile
• Factors that may be affecting your credit score
To enjoy these features, Credit Alert® membership is required. Not yet a Credit Alert® member? Call us at 1-800-548-2610 to find the solution that’s right for you.
Santander has also launched a new service called ‘My Offers’, which is available in this version of the app. You could earn up to 15% cashback when you shop at retailers you choose. You don’t need vouchers or codes, once you choose the offers, simply spend on your Santander credit or debit card to qualify. Switch on this service and start earning today.
- check your account balances
- transfer money between your own accounts
- view up to 4 years of transactions
- pay bills to anyone you’ve paid before
- send payments securely to people using only a mobile number
- set-up alerts for when your balance goes over or drops below a certain amount
- view your pending payments or transfers and make last minute changes
- find your nearest Santander branch in an instant, and get handy driving or walking directions.
- access to our new service My Offers
- close the app by using the home button
This latest update requires OS 4.1 or above
Santander UK plc Web Site
Santander UK SupportApplication Licence Agreement
With Mobile Banking you can
• check your account balances and available funds
• view your recent transactions
• move money between your Yorkshire Bank accounts
• make payments to your existing Internet Banking billers and payees
• register to send and receive payments using a mobile number with anyone also registered for Paym
• make payments to anyone using their sort code and account number
• set up low, high or weekly balance alerts, on your current account(s)
• request balance information on demand – we’ll send you your up-to-date balance and details of your last four transactions
• find your nearest Yorkshire Bank branch, ATM or Business and Private Banking Centre.
How to Register
Registration is simple; first download the mobile app to your device. You have 3 ways to register:
• using your Internet Banking details
• using your Telephone Banking details
• using your Personal Details and your Debit card, this option is not available for business customers
Once successfully registered you can start using the mobile app immediately.
You will need to be a customer of Yorkshire Bank and have a UK mobile number which begins “07”.
When registering for the mobile app, you will need to accept the Mobile Banking Terms and Conditions. These Terms and Conditions can be viewed on the mobile app or at ybonline.co.uk.
Standard data charges will apply.
Look out for future updates and keep your mobile app up to date.
If you are having problems downloading the app please call us on 08447 36 83 68.
There are a few steps that you can follow to protect yourself.
• Protect your device and your mobile app with a passcode and make sure you lock and unlock your mobile device. Always remember to logout of the mobile app when not in use. It’s important you do not write your security information down, store it on your device or disclose it to others. Avoid sharing the device you bank on.
• Do not disclose your Security Details to any other person. We will never ask you to disclose these details.
• Check your account records carefully.
• Update your mobile app - install the new updates to make sure your device isn’t exposed to the latest risks. If your mobile device is compatible with anti-virus software, it’s a good idea to download one from a reputable brand.
• Email and SMS - Remember, we will never ask you for your security information via SMS or email.
Enter any credit card number and Credit Card will tell you:
- whether or not it's valid by using Luhn's algorithm
- country where the card was issued
- name of the entity that issued the card
- type of card (EX. debit/credit, visa electron...)
- entity's office phone number
Use Credit Card to validate a card before performing any transaction, great for merchants.
We'll no longer support some older versions of the app soon.
Great news! We’ve listened to feedback and you can now manage Direct Debits and standing orders on your phone with our Mobile Banking app.
What else can you do with this app?
• Express Sign in - Sign in with just 3 characters from your memorable information.
• Pay a Contact – The easy way to send and receive payments between friends and family using just a mobile number.
• Cashback Extras - Click. Shop. Cashback. View and activate offers on the go.
You can also:
• Check your balances and transactions whenever you want
• Make payments and transfers
• Pay your credit card
• Find your nearest cash machine or Halifax branch
*You will not be able to use our app on a rooted device*
For Android versions earlier than Lollipop: We are aware that customers with ART (Android runtime) enabled on their device may experience issues when using this app. If you are affected by this, please disable ART in your device settings.
THE FIRST TIME you use this app, you’ll need to set it up by registering your device. Find out more at http://mobile.halifax.co.uk/get-started
• An up-to-date phone number registered with us
• A device running Android v2.3 or above
• Wi-Fi or cellular data access on your device
• Halifax UK personal account
• Online Banking username, password and memorable information
KEEPING YOU SAFE ONLINE
We do all we can to protect you online. We also have an online banking guarantee, you can find further information about our fraud guarantee by checking the Security FAQs in this app or by visiting http://www.halifax.co.uk/aboutonline/security/
We don't charge you for Mobile Banking but your mobile operator may charge you for some services, please check with them. Services may be affected by phone signal and functionality. Mobile Banking is available to our UK personal Online Banking customers. Terms and conditions apply.
Cashback Extras is available to Halifax bank account customers with a debit/credit card aged 18+ who bank online. Terms and conditions apply.
Pay a Contact – available to UK personal Online Banking customers with an eligible current account. Registration required to receive payments. Terms and conditions apply.
We collect non-personally identifiable location data when you use this app. We use this for fraud and security purposes, to help us fix bugs, and improve the services we can provide in the future.
The Branch/ATM finder uses location based services. We, LINK Scheme and/or Google may access data about your location (i.e. GPS signals from your mobile device) or data which can be used to approximate your location (such as your mobile ID).
We know security is important to you and we want you to feel safe online. When you receive emails from us we will always greet you personally using your title and surname and include either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. For text alerts, check they come from Halifax.
Halifax is a division of Bank of Scotland plc. This app and Mobile Banking are operated by Bank of Scotland plc (registered in Scotland (No. SC327000) Registered office: The Mound, Edinburgh, EH1 1YZ). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Manage your account your way at anytime, anywhere with this secure mybarclaycard app for Barclaycard UK customers. Free to download now for Android and with more handy features on the way, currently you can:
* View your latest balance and available credit
* See what you’ve spent and where
* Pay your bill and review earlier payments
* Transfer a balance from a non-Barclaycard
Before you get started
To maintain your privacy and security, this app isn’t available on jailbroken or rooted devices. Instead you can access your account on your mobile by going online to barclaycard.mobi
To use the mybarclaycard app you’ll need a UK mobile number and be the main cardholder of a personal Barclaycard issued in the UK.
Registered for mybarclaycard online account servicing? You need to use the same log in details to register for the mybarclaycard app. If not, you can still register using your card details instead.
Are you a Barclays customer?
If you’ve got a Barclays current account and a Barclaycard it’s best to use the Barclays Mobile Banking app where you can see both accounts together. The mybarclaycard app will only show you details of your Barclaycard account.
Other things you need to know
- The app is compatible with Android Gingerbread 2.3 and above, Honeycomb 3.0 and above and Ice Cream Sandwich 4.0 and above
- Compatible mobile device, operating system and internet access are required
- Standard network charges for data usage may apply. Check with your network service provider for mobile or internet use
- Terms, Conditions and restrictions apply – (www.barclaycard.co.uk/mybarclaycardapp)
- The app is not available for Commercial or Partnership cards at this time but watch this space for updates.
The fine print
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Registered in England No. 1026167. Registered office: 1 Churchill Place, London E14 5HP.
Quickly sign in using a 4-digit passcode to view your account balances and review transactions. Deposit checks even though you are miles from the nearest branch. Easily transfer funds, pay your credit card or loans, find ATMs and branches, view and track rates, and calculate a loan payment.
• Great look, feel and navigation. Easier to find information on your accounts and transactions.
• Passcode. Use a four digit code to see your balances quicker.
• Member to member transfers for paying friends when you're on the move.
• Bill Pay for making payments on the go.
• Deposit checks using your camera.
• View scheduled transactions, including pending deposits, upcoming transfers, and bill payments.
• Make payments directly to Navy Federal consumer loans, mortgages and credit cards.
• Send money to external bank accounts.
• Apply for new credit cards.
• View credit card reward points and redeem cashRewards
• Order new or replacement Visa® Check Cards and activate them.
• Branch and ATM locator.
• View rates.
• Safe and Secure, 24 hours a day.
★ To sign in to mobile banking, use your Navy Federal Access Number and password. If you are not set up for Navy Federal Online Account Access, apply online or call us at 1-888-842-6328 or 1-703-255-8837.
As always, if you have any issues with our app, you can call us at 1-888-842-6328 or 1-703-255-8837, or reach us via Twitter at @NavyFederalHelp.
Federally insured by NCUA. Message and data rates may apply.
Since we get asked about this a lot, here is a list of the permissions that our app requires and the reason we ask for them:
• Device & app history- Used so we can tell you when your sign in is about to time out.
• Contacts- Used to look up other members to send money to. Your contact information is never stored on our servers.
• Location- Used to find Navy Federal branches and free ATMs close to you
• Phone- Allows you to tap a phone number to call us if you need additional service.
• Photos/Media/Files- Used to speed up app performance.
• Camera- Required to take a picture of a check for mobile deposits
• Wi-Fi connection information- required in order to use a Wi-Fi connection in addition to cellular data
Here is just SOME of the information you will find inside:
★ What's a good credit score? And at what score should I start to be worried.
★ Even if you pay all your bills on time, you may still have marks against your credit. See why here.
★ 3 top credit agencies and how to keep tabs on them.
★ 4 ways the credit bureau's look at your lending history - and how important each view is.
★ 3 ways to boost your credit score (and it's not just paying your bills).
★ 10 steps to protecting your identity from thieves who may destroy your credit on their joyride across the country.
★ 4 steps to take right away if you think you've been a victim of identity theft. It may not be too late.
★ 5 common credit mistakes you may commit if you don't know about them in advance.
★ How not having any debts may actually hurt your credit score.
★ How to dispute bad marks on your credit report.
★ After you contact the credit bureau about an error in your credit report, make sure you contact these people next.
★ The truth about "free credit reports" online.
★ 3 ways to start building up trust after a major credit disaster.
★ When to consider declaring bankruptcy.
★ 5 organizations that can help you when you're in over your head.
★ When you should fear credit repair companies.
★ 6 common scams some credit repair companies try and pull.
★ How to use your bank as an ally in your fight against bad credit.
★ 5 ways to curb your spending habit.
★ How to automatically cut down on your spending without beating yourself up.
★ 6 ideas for adding extra dollars to your monthly income.
★ 4 steps to preparing ahead of time for financial emergencies.
★ The secret to changing the way you think about money.
★ 7 most common reasons why credit scores are lowered.
★ 3 reasons why change in your life is not always a good thing.
★ How a simple phone call may help out your credit.
★ When a "late fee" is easily waived.
★ The secret to setting short-term goals to repair your credit yourself.
★ When seemingly small differences in credit scores can have a huge impact on the interest you pay.
★ How to set your finances on autopilot.
★ When refinancing is the best option.
★ What you should always know before talking to a lender.
★ How to encourage a potential lender to look at you instead of your credit rating.
★ How to make paying your bills easier on yourself.
★ How you can take advantage of being a student while trying to repair your credit.
★ The secret to handling student loans (and when you may be able to award yourself a six month grace period on paying your bills).
★ When to take out a loan to repay your debts.
★ Which "cash advance" agencies to stay away from (or you risk destroying your credit).
★ 6 ways to handle the stress of being in debt.
★ and much, Much More!
*** On Sale Now! (Normal Price $15.99) ***
Get it now before promotion ends!