Check out our features in My Financial Health that help you manage your credit, identity, and subscriptions all in one place.
- Dark Web Monitoring: Scan the web for fraudulent use of your personal information including name, address, email, and more.
- SSN Monitoring: Detect and prevent identity theft occurring outside of the credit bureaus' vision.
- Change of Address Alerts: Detect and be alerted when there has been an unauthorized change of address.
- ID Restoration: Hands-on assistance restoring compromised identity.
- View Exposed Private Information: Your name is scanned in real time, so you can see how much of your information has been exposed.
- Removal of Personal Information from Data Broker Sites: You can leverage automated services to continuously remove their personal data from these sites.
- Ongoing Web Monitoring for Newly Exposed Private Information: Personal Info Protection will continuously monitor these sites and alert the user when their personal information resurfaces.
- View Online Subscriptions: You have access to a consolidated view of your subscriptions.
- Cancel Online Subscriptions: With just a single button, you can cancel unused or low value subscriptions.
- View Federal Student Loans: You have access to a consolidated view of their Federal Student Loans.
- Manage Federal Student Loan Repayment Programs: With some additional information, you can see repayment programs, savings and move to your chosen program.
- View Credit Score: You have access to your VantageScore 3.0 that monitors all three major credit reporting agencies.
- Debt Navigator: View consolidated debts while accessing personalized pay-down plans.
- Build Credit: Build or establish your credit. Establish your credit history through rent reporting.
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Identity Protection
Personal Info Protection
Subscription Management
Build Credit Account
Ready to start using My Financial Health?
Frequently Asked Questions
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.