Checking your credit information does NOT lower your credit scores
Your scores compiled from the files of all three major credit bureaus, online access to your credit history, and ongoing credit monitoring which alerts you to activity you might find suspicious, including new inquiries, certain derogatory information, new accounts opened, public records added to the credit file, or a change of address.
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Your credit scores, as developed by CreditXpert, Inc., are designed to help you understand your credit. Although different from the scores lenders use, they use the same credit bureau data and are intended to reflect common credit scoring practices.
Who uses credit scores? Anyone who may be considering you for a loan or other type of credit is likely to view at least one credit score. This includes banks, credit card companies, cell phone providers, mortgage lenders and even some insurance companies. In any of these instances, your credit score may be of critical importance. A good reason to know your credit scores is so you may have an idea of your credit worthiness.
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