My Financial Health

Financial, identity and privacy protection tools to help you manager your financial health.  
  • A Vantage Score 3.0 provided by Experian
  • Dark Web Monitoring
  • View exposed private information
  • View online Subscriptions
  • Experian Credit Monitoring and Alerts
  • Equifax Credit Monitoring and Alerts
  • TransUnion Credit Monitoring and Alerts
  • Social Security Number Monitoring
  • Change of Address Monitoring
  • Identity Theft Insurance and Restoration
  • Removal of Personal Information from Brokage Sites
  • Ongoing Web Monitoring for Newly-Exposed Private Information
  • Cancel Online Subscriptions
Experian: Visit Experian's contact page or call 1-888-EXPERIAN (1-888-397-3742)
 
Equifax: Visit <> or call (888) 766-0008

TransUnion: Visit TransUnion's contact page or call 1-800-916-8800
My Financial Health - (Array)  uses the Vantage Method for your Credit Scores.
 
How is my credit score calculated?
In addition to calculating credit scores themselves, the three major credit bureaus, Equifax, Experian, and TransUnion, provide detailed information about a consumer’s credit activity to other companies that calculate a credit score.
 
 
The two major companies providing credit scores are FICO® and VantageScore. Each uses a proprietary method to calculate their score.
 
FICO® Score
 
FICO considers the following when calculating your score (source):
Payment history (35%)
  • Do you make your payments on time?
Amounts owed (30%)
  • Do you owe too much to too many lenders?
Length of credit history (15%)
  • Does your record show that you can maintain your commitment over a period of time?
New credit (10%)
  • Have you opened multiple new accounts in a short period of time?
Credit mix (10%)
  • Do you have a variety of account types, such as credit cards, installment loans, or a mortgage?
This exact mix may vary depending on which version of FICO® Score is used. In general, FICO® uses a different calculation depending on the nature of the loan.


VantageScore
 
VantageScore 3.0 considers the following when calculating your score : ( Source)
 
  • Payment history (40%) 
  • Utilization ( 20%)
  • Balances (11%)
  • Depth of Credit (21%)
  • Recent Credit (5%) Available Credit (3%)
Both FICO® Score and Vantage Score range from 300 to 850. However, they divide the categories differently.


FICO Score categories
300 – 499: Very poor
500 – 600: Poor
601 – 660: Fair
661 – 780: Good
781 – 850: Excellent


Vantage Score categories
300 – 600: Subprime
601 – 660: Near prime
651 – 780: Prime
781 – 850: Superprime


FICO® produces several models of their FICO® Score to accommodate different types of lending. Models also vary depending on which bureaus provide the data for them. The most common model is FICO Score 8, which along with FICO Score 9 are widely used for lending. Both use data from all bureaus, as do most other other models.


FICO® Score models that are more specific include FICO® Auto Score and FICO® Bankcard Score, for lending associated with car purchases and credit card applications. Scores for these models range from 250 – 900.


Mortgage lending uses FICO® Score 2, FICO® Score 5, and FICO® Score 4, which use data from only one of the three bureaus.


Disclaimer: FICO® Scores are developed independently by Fair Isaac Corporation. Most, but not all, lenders use FICO® Scores to determine a consumer's credit worthiness. We're not affiliated with FICO® and have no influence on producing a FICO® Score