A Good Credit Score Will Get You More Dates Than Being Attractive, According to New Survey

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Walking into a bar, spotting an old flame from high school, then dropping a pickup line like, “If you were a vegetable, you’d be a cute-cumber,” just isn’t going to cut it anymore. According to Bloomberg , you’d be much better off using your long and healthy credit history to peacock for romantic interests.

In a recent survey of 2,000 online daters from Discover and Match Media Group, having a good credit score is considered sexy, but not just mildly so. A sound credit score was ranked as an important quality to 69 percent of survey participants, above sense of humor (67 percent), attractiveness (51 percent), ambition (50 percent), courage (42 percent) and modesty (39 percent).

To take the numbers one step further, financial responsibility automatically bumped an individual’s perceived attributes. People who were financial responsible were viewed as having a good sense of general responsibility 73 percent of the time, a perception of trustworthiness 40 percent of the time, and a perception of high intelligence 38 percent of the time.

Additionally, respondents found financial responsibility to be more attractive than having a nice car 58 percent of the time, more attractive than a fancy job title 50 percent of the time, and more attractive than being physically fit 40 percent of the time.

So, to start, learn what your credit score is and the secret formula behind it . Next, figure out how to keep your credit score high . And lastly, set your fancy car on fire. And you’re all set! (We’re obviously kidding about the car.)


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Start by getting all 3 scores now, not just one score. Your credit scores 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.

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Help protect your credit and personal information with daily credit monitoring of your files. Plus, receive quick notification by email when certain changes occur in your credit files.

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Strengthen your defense against credit fraud and identity theft. We keep an eye on your information to help make credit monitoring less stressful and give you more peace of mind.

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  • Access to your 3 Credit Scores
  • Alerts of new accounts, credit inquiries and more
  • Identity fraud support service
  • Online credit education center

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Enables you to see at a glance how making certain changes to your credit practices could impact your credit scores and your overall credit picture. Learn More

Checking your credit information will NOT lower your credit scores!

1 Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.

2 Daily monitoring will notify you of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports .


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MyScore.com has been providing free credit scores for many years and is a great service for anyone who wants a free credit score and a top notch credit monitoring service.

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You should always know who is looking at and pulling your credit. Credit monitoring provides insight into certain changes to your credit reports and credit scores. Quickly and easily compare top rated credit monitoring products by using our guide below. These products offer credit reports, credit scores, monitoring, alerts, and identity theft protection features. In addition, you should review our free credit score trial and identity theft protection services.

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IDCuff.com ® , a trusted leader in ID theft protection and credit monitoring, this site offers consumers 3-bureau credit monitoring with credit reports and scores based on data from all three major bureaus with regular updates.

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Don't be a victim! Identity theft occurs every day to the most unsuspecting people. Protect yourself, your credit and gain peace of mind knowing someone has got your back. Easily compare top rated identity protection products using our guide below. These products offer daily credit report monitoring, e-alerts, fraud resolution assistance, and credit score features. In addition, you should also review other free credit score trial and credit-monitoring services.

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This product is extremely comprehensive as it covers all the bases. The price point is also very competitive. This is definitely a product to look at.

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Why Do I Need My Credit Score?

Credit and Its Importance

In layman's terms, your credit defines the likeliness that you will fulfill your financial obligations. Your credit is your word. It is your bond. In the eyes of creditors, it's your reputation and a defining characteristic that allows them to put a dollar figure on the amount of money they will lend to you or your organization. Just as a poor reputation may hurt your business or personal standing in a community, poor credit will damage your reputation in the eyes of banks and lending institutions.

What Items Effect My Credit Score

Your credit score is comprised of several key elements. These elements are outlined below.

  • Payment History
    • Accounts for roughly 35% of your score.
    • Pay your bills on time to keep your scores high.
    • Credit Tip: Late payments, charge-offs, and collections will have a drastically negative effect on your scores
  • Amounts Currently Owed
    • Accounts for roughly 30% of your score.
    • Based on the amount of debt you're currently have.
    • Your debt consists of credit cards, home loans, car loans, etc.
    • Credit cards generally have the most impact on your credit score.
    • Credit Tip: To maximize your scores in this section, you should keep your balances in relation to your credit limits as low as possible
  • Length of Credit History
    • Accounts for roughly 15% of your score
    • This category measures how long you've had credit. It does so by reviewing all of your accounts and looking at the opened dates.
    • The longer you've had credit, the more points you'll earn in this section.
    • Credit Tip: Keep old god accounts open to maximize the positive effect they have on your scores.
  • Types of Credit
    • Accounts for roughly 10% of your credit score
    • This category is looking for a healthy mix of accounts so
    • Credit Tip: Diversity is essential here. Having a mix of different types of accounts including credit cards, auto loans, mortgage loans, etc., will insure you do well here.
  • Searches for New Credit
    • Accounts for roughly 10% of your score.
    • When you apply for credit an inquiry will post to your credit report showing that you're seeking credit.
    • Too many inquiries in a short period of time can hurt you.
    • Credit Tip: Avoid excessively shopping for credit and only open a new credit account when you really need it.

Why Credit Monitoring is Important

U.S. consumers are turning to credit monitoring services, in record numbers, to help build a firewall between themselves and financial predators like identity thieves. Recently, the U.S. Federal Trade Commission called identity theft one of the biggest consumer complaints over the last decade.

How can credit monitoring help?

For starters, it keeps identity thieves at bay.  As a consumer, your worst financial nightmare is having a stranger steal and assume your financial identity. This might cause severe financial damage to your credit reports and your credit scores.

  • Closely track any changes to your data and notify you immediately if there has been a change or security breach.
  • Features that will alert law enforcement agencies and key financial institutions in the event of a breach in your identity security.
  • Offer insurance against identity theft for a few dollars a month.
  • Help you stay on top of your credit.
  • Help identify and correct mistakes on your credit reports from creditors and lenders with incorrect financial information.

The Bottom Line

At less than a dollar a day, a good credit monitoring service can save you a truck load of money by helping you keep your financial reputation in good standing. In addition, it’s some of the best and cheapest peace of mind money can buy.

What is identity theft?

Noun:The fraudulent acquisition and use of a person's private identifying information, usually for financial gain.

Sounds scary right? Identity theft has been labeled as one of the most pervasive and harmful crimes inflicted on the American public. It impacts more than 11 million Americans annually. Identity theft can separate a consumer from a good chunk of his or her bank account and ruin an individuals financial identity.

Time is, after all, a commodity. And when you spend your valuable time tracking down all the data and documents needed to correct an identity theft situation, the clock keeps ticking. Studies show that the average victim of identity theft spends anywhere 60-200 hours working out of the situation. That's 60-200 hours very few busy consumers have on hand these days.

  • Ruined credit

    If an identity thief absconds with your identity, and you don't discover the problem right away, that thief can drain your financial resources as easy as a drought can drain a swamp. Not only could that mean the loss of much, if not all, of your financial resources, it could also mean a huge hit to your credit reports and credit scores, as the thief goes on a spending spree in your name. Make no mistake, lousy credit can mean the loss of a home loan; the loss of a job; or the cancellation of your credit cards.

  • Emotional impact

    According to the Identity Theft Resource Center, one of the most serious aftershocks from an identity theft experience falls on the emotional side. Specifically, the stress associated from dealing with the crime. Studies show that the emotional grief stemming from identity theft mirrors the same grief suffered by victims of violent crime. The ITRC says that 40% of respondents in an identity theft survey reported "stressed family life" among the issues they dealt with after an identity theft situation.

  • Identity theft is a heinous crime. But don't think for a minute that it's all about the dollars and cents lost after the crime. The true cost of identity theft is much higher than that.

    Top 10 Reasons to Get Your Free Credit Score


    What Does Your Credit Score Measure?

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    Many people ask, “What does your credit score measure?” Many other articles addressing this topic answer the question in terms of what a specific generic risk score means to the borrower: a low score means higher interest rates, and a higher one means better terms, etc.

    A credit score measures something different for lenders than it does for borrowers. Answering what a credit score measures provides deeper insight into how banks use the equations to make lending decisions, and what borrowers can do to improve their ratings.

    • Measures probability of future delinquency
    • Meaning for whom to approve, at what rate, for which terms

    There are many different types of credit scores each measuring a different future behavior. People are most familiar with FICO scores and their equivalents such as Vantage scores. The most common generic risk scores measure the probability that an individual borrower will be severely delinquent on one or more accounts in the next eighteen months.

    Every individual has a credit score that measures his or her probability of future default. The equation is based solely upon information stored in his or her consumer report. Your consumer report contains historical information about your individual borrowing behavior, along with recent loan seeking behaviors.

    These historical data are analyzed to predict future behavior. Each consumer-reporting agency combines data together differently, which is why consumer reporting bureaus have different scores for the same person.

    Credit risk scores measure your probability of being severely delinquent on one or more borrowing accounts. Severely delinquent is most commonly defined as 90 days or more past due. The lower the score, the greater is the probability of future delinquency.

    Credit risk scores and numeric distributions change frequently, but one thing holds constant: they are always measuring behavior over the next eighteen months. The performance window is always moving forward. A chart found at my.fico.com shows how scores range distributions change over time.

    Your credit score measurement is also time bound by eighteen future months. The predictive reliability of the equations declines the further into the future it projects. So the performance window is capped at eighteen months. The consumer reporting agencies update their data regularly, so the equation output changes as the supporting data changes.

    How Lenders Utilize the Measurements

    Banks and lenders utilize the credit score measures of probability to make decisions about who to approve for a loan, how much to lend, and at what terms. Your probability of being delinquent on an account in the future plays a big factor in how lenders make these decisions.

    The mean credit score is 723. Half the population has a delinquency rate of 5% or less, and a half has a higher delinquency rate. A person in the bottom range may be 87 times more likely to become severely delinquent on an account, compared to a person in the highest range.

    Banks use the credit score probability measurements to determine who to approve for a loan, and whom to decline. The use of this measurement is the one most people are familiar with. They understand that higher scores mean it is easier to qualify for loan approval.

    When borrowers get into trouble they will often max out their revolving accounts, and look to borrow more money. When distressed, borrowers often begin paying late by type of account. Secured accounts like mortgages and car loans are paid first. People do not want to lose their house or car. Unsecured accounts like credit cards are paid last. If they default on a revolving card account, they lose access to the convenience but keep their house and car.

    Changes in credit score are one reason that banks change your limit. Banks use the measurement of probability to make an informed bet. They want to earn interchange income and interest income from revolving cardholders. The amounts earned are relatively small compared to the outstanding balance.

    However, they do not want to lose money on a defaulted account. When an account defaults (which your credit score helps measure the likelihood of probability), the banks lose a relatively large sum.

    Lenders also use your generic credit risk score measurements to determine the terms of your loan. Borrowers with lower scores pay higher interest rates to offset the higher risk of future default. Borrowers with higher or improving scores may receive interest-free balance transfer offers.

    Mortgage borrowers sometimes can offset a lower score by making a larger down payment, or by borrowing less relative to their monthly income. Property and casualty insurers use the ratings to set premium rates.

    Improving your Credit Score Measurements

    In the end, a credit score measures the level of trust. Lenders do not have personal relationships with borrowers. They need an objective measurement, which the algorithms provide.

    When thinking about your generic risk score compare the algorithm to the level of trust you have with friends or family. Ask yourself, “What if a friend or family member asked you for a loan?” You might measure your level of trust in the same fashion as a credit score.