Credit Servicez

  • FICO Scores and Credit Reports…Understand your FICO® Scores, save money!

    Having a strong credit education is important since your credit can  impact many aspects of your life. Whether you're buying a home, a car or applying for a credit card - lenders want to know the risk they’re taking by lending you money.

FICO Scores and Credit Reports…Understand your FICO® Scores, save money!

Having a strong credit education is important since your credit can  impact many aspects of your life. Whether you're buying a home, a car or applying for a credit card - lenders want to know the risk they’re taking by lending you money. FICO® Scores are the credit scores used by 90% of top lenders to determine your credit risk. Your FICO® Scores (you have FICO® Scores for each of the 3 major bureaus) can affect how much money a lender will lend you and at what terms (interest rate). Higher FICO® Scores can often help you qualify for better rates from lenders - which can save you money!

When you request your credit report, you expect that report to contain up-to-the-minute information about your credit scores. While every credit report will have the most recent details about your financial history, there's only one report that has the most comprehensive information: MYFICO .
Your MYFICO credit report is all-encompassing and is, essentially, the only credit reports that counts:

  MYFICO provides seven years’ worth of financial data, in contrast to other credit report providers who only supply 24 months’ worth of data.
 There is no artificial inflation of your FICO score. It might feel good to see scores on other credit reports that are 40 or 50 points higher than you expected, but the most accurate and reliable scores will come directly from MYFICO .
 

The extra five years of history on your MYFICO report may carry more derogatory credit details, but it can also contain five years’ worth of positive data. Both have an absolute effect on your true credit scores.

There are two databases that offer credit reports. The consumer database offers only two years’ worth of credit history and is used to compute the credit reports that you might see advertised on television.
The lender database contains your most genuine credit scores based on seven years of credit history. When you apply for a loan or mortgage, this is the database that lenders will access to pull your scores - it's also the same database used by MYFICO .
To insure that you're receiving the report that includes the most thorough details, request your credit report directly from MYFICO instead of other credit report providers.

Give your life… the credit it deserves…

About Credit Servicez

Credit Servicez is a credit consultation firm that works to raise credit scores an average of 60 points by working with you, your creditors and the credit bureaus. We are trusted by referral partners from 
Bank of America, TD Bank, Wells Fargo and Chase Bank Citibank and more.

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