incredibly valuable information at your fingertips for less than a dollar! Ask the Credit Score Crystal Ball any of the questions listed to see what could happen to your score before it actually happens. Your credit score means everything, and Credit Score Crystal Ball enables you test changes before you make them!
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Don’t let the price tag fool you. For less than a dollar, the Credit Score Crystal Ball will make a meaningful difference in your life! Don’t believe it? Well, imagine this… your monthly bills arrive in the mail,You notice a small bill for $100 that you owed that has gone to collections. To keep your finances in order you immediately pay the $100 and move on to the next bill. The following week your lease expires on your car and you will be shopping for a new one. You find yourself at a dealership in the driver’s seat of a new car and boy the scent is great. The salesman gives you the good news...application has been approved. You sign the paperwork detailing your interest rate and payment arrangement with a smile and drive away happy as can be. Heck, they even gave you an air freshener to hang from the rearview! You really are a V.I.P.
What you did not realize is that your interest rate is actually 3% higher than it could have been – meaning you just paid $4,000.00 more for your car than you should have.
Your decision to pay the $100 debt that was owed was a responsible one and should not have hurt your credit rating, right? Well, think again! What you actually did was update a negative record on your credit report
and lowered your score by nearly 30 POINTS!
If only you had known you could have made the necessary changes and saved yourself thousands of dollars!
Can you imagine that oversight on a mortgage? We can! It could cost you more than $67,000!!!
This is one of many possible scenarios that can have a major effect on your score and many can be avoided! The Credit Score Crystal Ball is the perfect way to fire off a warning shot about your credit. If you ask the Credit Score Crystal Ball a question prior to making a decision (how much money to pay towards your credit card debt or what is truly affecting your score) it will, with unparalleled accuracy, provide answers that can help you to unlock your credit score’s potential.
Visit us at http:// www.creditenhancementpro.com for credit tips and other information that will help you achieve and maintain a healthy credit profile.
For a limited time if you purchase the Credit Score Crystal Ball your entitled to ONE free call to a Certified Credit Specialist to ask ANY question about your credit. All calls are confidential...we do not even need your name.
Look for Credit Score Crystal Ball Pro Edition that will present you with 100% fully personalized questions to calculate how many points you can raise your score in a time frame you have available.
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!
Although credit scores are calculated differently by the various credit bureaus, you can get an estimate of what your score may be by using this calculator. The three main things that help you have a good credit score are first, having a long history of making all debt payments on time, second using the proper mix of credit, and third not maxing out on available credit. Use our credit score calculator to help you determine a possible range of credit scores.
What does your score mean?
760 or higher
Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
725 to 759
Your score is above the average score of U.S. consumers and demonstrates to lenders that you are a very dependable borrower.
660 to 724
Your score is near the average score of U.S. consumers, and most lenders consider this a good score.
560 to 659
Your score is below the average score of U.S. consumers, though some lenders will approve loans with this score.
Lower than 560
Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a very risky borrower.
The result from this app is only for personal interest. It is NOT official.
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Become a member for free in-app and get your free credit score in just two minutes.
• Truly free credit scores
• Free on-the-go credit monitoring
• Notifications when something important changes in your credit report
• Credit Report Card, which tells you about factors influencing your credit score
• Free membership. No credit card required.
• Safe and secure.
TESTIMONIALS FROM OUR MEMBERS
“Credit Karma helped me save over $3,000 on my credit card debt. It was quick and easy!” – James, MA
“My credit score has gone up 43 points in a single month after following some of their advice!” – Leslie, CA
CREDIT KARMA HAS BEEN FEATURED IN
• USA TODAY
• TIME Moneyland
Credit Karma provides more than 18 million consumers with free credit scores and access to free credit monitoring to help them realize the everyday cost savings of having good credit by offering personalized savings recommendations for credit cards, student, auto, mortgage and home equity loans. It also provides financial education and access to free tools that empower consumers to take charge of their financial health including the free Credit Report Card, Credit Score Simulator and Credit Card Statistics. To learn more, visit www.creditkarma.com.
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 Experian 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
My Credit Score presents you with an indicative credit score and status based on the real calculations banks and financial institutions use in the UK to determine your success rate. The technology behind the app is based on decision models taken from UK’s leading credit reference agencies* and team behind the app have 15 years background in financial services, credit referencing and consumer finance. My Credit Score uses this technology to give you an indication as to what your score will be when a credit check is run, as well as offering you guidance on each of the core areas that affect your credit.
The app provides a useful, simple and free tool to allow consumers to research their own credit rating, ideal for saving time and money on applications for credit cards, loans and mortgages or even to help understand decisioning behind hire purchase agreements and mobile phone contracts. Our ethos is to help consumers understand more about their own credit status and how banks* view them, helping to improve and understand credit ratings and in turn help consumers save money in the complex world of finance.
- Credit Score style questionnaire to determine your score and status
- Function to store previous questionnaire results for future use
- Descriptions and tips on how to improve for all core areas that affect your credit rating
Keep checking in with My Credit Score for new features as we continue to build more tools, widgets and functionality to help consumers save money and improve their credit scores.
* Examples of these can be found below for reference:
- Call Credit
- Experian (CreditExpert)
Banks and Investment
- Abbey National
- GE Capital
- Capital One
- Banc of America
- Bank of Ireland
- Bank of New York Mellon
- Bank of Scotland
- ICICI Bank
- Brown Shipley
- Lloyds /Lloyds TSB
- Close Brothers
- Co-operative Bank
- Credit Suisse
- Marks & Spencer Financial Services
- Tesco Personal Finance
- Ulster Bank
- Morgan Stanley
- United Trust
- Unity Trust
- Halifax (HBOS)
- Virgin Money
- VTB Capital
- First Direct
- Royal Bank of Scotland (RBS)
- Sainsbury’s Bank
- Scotiabank Europe
- Scottish Widows
- Standard Bank
- Manchester Building Society
- Beverley Building Society
- Mansfield Building Society
- Buckinghamshire Building Society
- Market Harborough Building Society
- Marsden Building Society
- Cambridge Building Society
- Melton Mowbray Building Society
- Century Building Society
- Monmouthshire Building Society
- Chorley and District Building Society
- City of Derry Building Society
- National Counties Building Society
- Coventry Building Society
- Nationwide Building Society
- Cumberland Building Society
- Newbury Building Society
- Newcastle Building Society
- Darlington Building Society
- Nottingham Building Society
- Dudley Building Society
- Dunfermline Building Society
- Penrith Building Society
- Principality Building Society
- Earl Shilton Building Society
- Progressive Building Society
- Ecology Building Society
- Saffron Building Society
- Furness Building Society
- Scottish Building Society
- Shepshed Building Society
- Hanley Economic Building Society
- Skipton Building Society
- Harpenden Building Society
- Stafford Railway Building Society
- Hinckley and Rugby Building Society
- Swansea Building Society
- Holmesdale Building Society
- Teachers' Building Society
- Ipswich Building Society
- Tipton and Coseley Building Society
- Leeds Building Society
- Vernon Building Society
- Leek United Building Society
- Loughborough Building Society
- West Bromwich Building Society
- Yorkshire Building Society
Pay Day Loans
- Kwik Quid
- Pay Day UK
Credit Scoring 101. We will break down the five categories of a credit score and then we will break down those into sub categories so even if you know absolutely nothing about a credit score, now you will know all of the basics...that is where it starts.
CEP is not just a credit education company but we believe that is where it must start. The more you know about how a score is calculated the more likely you are to maintain that score as efficiently as possible.
Please be mindful, this is exactly what it says...the basics. It is a very short, quick and FREE educational crash course.
We are just getting started so if you have ANY questions or requests please feel free to ask. We will be adding a lot of great, very useful information, from how to be sure that there are no mistakes on your credit report and how to actually correct those very same mistakes.
You ask it and we will answer it!
Credit Enhancement Pro
Your Score. Your Life. Your Freedom. TM
How to know if a company is healthy or not? big or small? Profitable? With s-peek you can have all the European companies in your hand.
s-peek is a free and easy-to-use application which helps the users to understand the financial creditworthiness of every company in Europe; all the information are synchronized between the web version (http://www.s-peek.com) and the mobile version to increase the productivity of the user!
S-peek gives you the access to the information over 20 million European companies;
- discover the credit rating and the credit limit;
- check the most important financials;
- Automatic check for updates on purchased reports (notice for new ratings);
- PDF download of the company information (web);
- give your opinion on the companies according to your personal experience;
- read what the people think about the morality of each company;
- invite your friends to share the company information (web);
- share your opinion through social networks.
- integration of the credits between web and mobile application
Personal finance is kind of a big deal right now. Identity theft is growing. People all over the USA are declaring bankruptcy, and in general, there's alot of worried/upset people come when the credit card comes in the mail. The problem is that we’ve lost track of our finances. We’ve got a credit card with a $3,000 balance here, and a maxed out credit card there. It all adds up, quickly.
You could say that Americans are increasingly drowning in debt. As this happens, their credit score goes down the tubes, and with it, the chance of them getting affordable credit. Their credit score goes down, and the loan payments go up. For a person already struggling to make payments, this is not a good scenario.
If you’re in debt, you need a good credit score. Without a good credit score, you can’t get low interest rates. If you can’t get low interest rates, your loan premiums are going to go through the roof. At this point, things will go downhill fast.
Download this apps now!
Our Free Mobile Banking app makes it easy for you to check your account balances and history, transfer money, pay bills, deposit checks (phone only at this time - Android Tablet check deposit is coming soon), view and activate your cash back offers, or locate branches or ATMs.
First, make sure you’re enrolled in Columbia’s free, personal online banking. Enroll now at www.columbiacu.org.
IT’S SECURE – We utilize best practices from online banking, such as 128-bit SSL encryption and an application time-out when your phone is not in use.
IT SAVES YOU TIME – WHEREVER YOU ARE – Manage your money from wherever you have cellular service: from the family room to the Columbia Gorge trail; from a local drive-thru to a Maui Luau.
IT’S FREE – There’s no charge for Columbia’s mobile banking. (Note: Carriers may charge standard texting or Internet/data plan fees).
IT’S EASY TO USE – Our app is just as easy as online banking. It's intuitive and quick.
• Pay bills
• Check account balances
• View account history
• Transfer between accounts
• Locate METRO Branches, ATMs or a Shared Branch using GPS navigation
Please Note – You must be enrolled for the 24-hr. telephone transaction service (MetroLine) in order to access online banking or use this mobile app. If you’re already enrolled in online banking, simply sign on using your login credentials.
For assistance with login, troubleshooting or accounts related questions, please call our Phone Center at 888-907-3628 during regular business hours.
METRO CU, located in San Diego, is a full-service financial institution specializing in accounts, solar and energy efficiency financing, credit cards, auto loans and mortgages.
METRO Mobile app is provided without charge. Texting or data fees may apply when using this app. Please check with your wireless carrier regarding fees.
To learn how we protect your privacy, please visit http://www.sdmcu.org/home/privacy
To learn how we protect your privacy, please visit https://www.geefcu.com/english2/upload/Privacy.pdf
Why wait? Sign up today!
Standard messaging rates apply.
- Check account balance
- Review account transaction history
- Transfer funds between accounts
- Pay bills**
- Deposit checks on the go
- Locate surcharge-free ATM’s
SAFE AND SECURE
Direct Federal Credit Union uses SSL (Secure Socket Layer) encryption to communicate securely through all mobile devices.
*Must be enrolled in Online Banking. There is no charge from Direct Federal Credit Union, but messaging and data rates may apply.
**Must have Bill Pay setup previously in Online Banking.
Credit Score Improving Guide
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Credit Report And Seeing What Needs To Be Improved
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Top Tips To Improve Your Credit Score
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What You Can Do To Improve Your Credit Score
- Check Balances
- View Transaction History
- Transfer Funds
- Pay Loans
- Secure Messaging for support