Did you know that having no credit is like having bad credit? What’s keeping you from building your credit? We see that society has increasingly become dependent on credit scores, whether it be our cell phone plans or buying a home. Due to the increase of expenses in living, the strain on our paychecks, the impact on what we qualify for will always circle back to our credit score.
I want to help you build your creditworthiness as an individual to reach your financial goals. The better we know our credit score, the easier it is to obtain the financial goals that qualify us for better loans, lower credit interest rates, and even lower mortgage interest rates. Suppose you are looking to buy your home. In that case, the entire process is more accessible and more reasonable – the higher your credit score, the lower mortgage interest rate you’ll qualify for. I want to save you thousands of dollars in the long run!
So what can we do about it? Credit monitoring!
Credit monitoring is a great tool to utilize when learning and understanding your credit history of handling debt and protecting your credit identity. Credit monitoring services should provide you with your credit score and report and track your FICO score, which is integrated into reports from the three major US credit bureaus: Experian, TransUnion, and Equifax. FICO Score is a three-digit number typically in the 300-850 range, which tells lenders whether the application for a loan or a credit card is accepted. FISCO Score provides your income and any existing debt obligations to see whether you have the means to repay them.
Therefore, if you’re planning to buy a home this year, we recommend checking out IDIQ, a credit monitoring service for your credit report needs. IDIQ offers FICO® Scores along with credit report and identity theft monitoring that is essential during these unprecedented times. IDIQ services identify areas that can positively improve your credit score while showing you how to stay on top of your FICO® Scores while actively monitoring any changes in your credit report. WOW!
IDIQ® is recognized as one of the fastest-growing industry leaders in credit and identity theft monitoring and data breach preparation. With the MyScoreIQ®, IdentityIQ® and DataBreachIQ® brands, the company delivers credit information, education, and protection that benefits consumers and businesses not to mention 100% U.S.-based customer service and support!
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