Credit Score 401
4 Things That May Help You Advance Your Credit Score
Maybe you already know what a credit score is and how it may impact your financial health. If not, here's a quick explanation:
If you've ever signed up for a credit card, purchased a cell phone and plan, paid a utility bill, purchased a car, or received a loan from another business, then you have established a credit score.
Your credit score is a numerical value that ranges from 300–850 and is based on factors such as any debt you already have, the length of your credit history, and the history of your payments. This score reflects how well you manage your debt and whether you pay your bills on time. For example: If you pay your bills by their due dates, you will earn a higher score. If you are late in paying your bills or don't pay them at all, you will accumulate a lower score.
Ideally, you'd aim to have a high credit score. Why? Well, if you should need to purchase a car, a home, or borrow money from a lender to pay for a medical procedure without high interest rates or strict penalties, you'll need a good credit score.
If you have a lower score or aren't sure what your score is, there are steps you may take to learn your score and lower it, if necessary, via your TransUnion CreditView Dashboard®.
What Is the TransUnion CreditView Dashboard®?
There are three main credit bureaus who monitor credit for everyone with a credit history: TransUnion, Experian, and Equifax.
All of our Pocket360® customers automatically receive free access to their credit score via their TransUnion CreditView Dashboard®. This friendly solution enables
you to gain insight into your overall credit performance and also offers free credit education, credit alerts, and a score simulator.
4 Ways to Use the TransUnion CreditView Dashboard® to Change Your Credit Score
If you checked your credit score and discovered it's on the lower end, don't worry. Of the nearly 3,500 TransUnion CreditView Dashboard® customers whose credit scores were "subprime" (meaning having a poor credit history), upwards of 60% were able to see a significant change in their scores in just eight months' time by using their personalized dashboard, according to a recent analysis by TransUnion.
By taking the following steps, you, too, may be well on your way to improving your credit score.
- If you already have a loan or are interested in taking out a loan, navigate to Pocket360 and view the TransUnion CreditView Dashboard® or set up your free TransUnion
account via the dashboard to view your credit score.
- Navigate to the Score Simulator within the TransUnion CreditView Dashboard®. Spend some time working your way through the "what if" variables of managing your credit score and make notes of the variables that change your score in the
simulator.
- Take steps to modify your credit score by incorporating the positive variable feedback like opting in to receive free credit alerts, reading our free educational materials, and disputing any inaccuracies.
- Check back frequently to see how these little changes may add up to a better credit score and more financial health and security for you and your family!
Learn more about Pocket360 or the TransUnion CreditView Dashboard®.
Editorial Policy: The information contained in Check `n Go’s Finance Academy Learning Center is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Check `n Go does not act as a credit counseling, repair service, or debt consolidation service in providing this content. Please understand that Check `n Go policies change over time. Blog posts reflect Check `n Go policy at the time of writing. While maintained for your information, archived posts may not reflect current Check `n Go policy.
The information contained in our blog posts are the author’s own opinions, not those of Check `n Go or any other company. Any pros and cons are developed by our editorial team based on independent research. Some of the products, services, and offers on this page may not be available from Check `n Go. In Texas only: Check `n Go does not act as a credit services organization in providing this content.
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*Active checking account open for at least 30 days.
*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded no later than the following business day. All times and dates are based on Eastern Time (ET). Check `n Go and third-party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third-party lenders may take that into consideration in the approval process.
**Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Check `n Go.
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