Check Your Credit Score in a Snap!
ScoreMaster® makes it simple and fast.
Keep Your Credit Score Error Free
With ScoreMaster®, you get more than just a way to check your credit score. Our unique and patented credit score tools show you the following additional scores:
- Your Credit Score: based on your latest TransUnion credit report.
- Your Auto Score: over 90% of all Auto lenders require this when considering you for a loan.
- Your Insurance Score: may be used when you apply for any type of insurance.
- And your Hiring Risk Index: increasingly used by employers as part of their hiring/screening process.
With that said, a regular credit score check is the best way to keep your information free of any errors. We show you how your score changes over time, while providing a side-by-side comparison of how your credit looks across all three major bureaus.
Another way we help you stay on track, which no one else does, is our patent-pending PrivacyMaster® feature, which scans and monitors websites that may be selling or misusing your personal information. Once we locate these sites, you can request a removal directly from your account, and prevent your information from being sold or shared.
If checking your credit score is at the top of your priority list, ScoreMaster® should be your first choice.
We’ll Let Other Customers Tell You What We’ve Done For Them
Within 2 months my scores improved 60+ points.
- Monique G.
ScoreMaster® is the best! It's helped so much, lots of control, ease of use!
- Jose B.
ScoreMaster® is an amazing tool! It tells you exactly what you need to do to raise your score.
- Adam C.
Easily through ScoreMaster®. Sign up for our service and once your account is verified you will see your Vantage Score. If you need to see all three of your credit scores, you can purchase a 3B report inside of your account.
Soft inquiries (like you just checking your credit through ScoreMaster®) don’t affect your score at all. However, multiple hard inquiries can deplete your score by several points each time they happen.
Always check your 3 Bureau credit scores to get an accurate picture of what your lenders will see. After all, you never know which score your prospective lender is going to pull.
Credit scores are calculated differently depending on the credit scoring model. But here are the key factors:
- Payment history: Whether you’ve paid past credit accounts on time.
- Amounts owed: The total amount of credit and loans you’re using compared to your total credit limit, also known as your utilization rate.
- Length of credit history: The length of time you’ve had credit.
- New credit: How often you apply for and open new accounts.
- Credit mix: The variety of credit products you have, including credit cards, installment loans, finance company accounts, mortgage loans and so on
- Extremely influential: Payment history
- Highly influential: Type and duration of credit and percent of credit limit used.
- Moderately influential: Total balances/debt.
- Less influential: Available credit and recent credit behavior and inquiries.
The credit score changes shown in ScoreMaster® typically apply to all credit scores the same, including FICO® and VantageScore versions. That’s because all credit scores derive from TransUnion®, Experian™ and Equifax®, where your spending and payments are recorded.
The most common misconception is that your income or wealth impact your score. In fact, anything that defines how much money you have or how much you’re worth (e.g. income, retirement account balances, home equity, net worth), is not considered in your credit scores.
Other factors that don’t affect your credit score include:
- Marital status
- Political affiliation
- Job title
- Employment history
- Where you live
- Or your total assets
Yes, you can use your ITIN if you submit your request to one of the three nationwide credit reporting companies by mail. Once the company receives your request, they’ll verify your identity.
Generally, credit is organized into three major buckets:
1. Revolving credit: where a consumer borrows money from a lender and pays it back at the end, or makes partial monthly payments, as in a Visa or MasterCard charge card.
2. Charge credit: where the lender provides the consumer with a loan under the presumption that it is going to be paid in full at the end of the month, like on most American Express credit cards.
3. Installment credit: when the consumer agrees to finance a debt with monthly payments over a predetermined period of time, such as in a home mortgage or a car payment.