

Financial, identity and privacy protection tools to help you manager your financial health.
Basic Features included for FREE
- A Vantage Score 3.0 provided by Experian
- Dark Web Monitoring
- View exposed private information
- View online Subscriptions
Premium Subscription is $8.99/month. In addition to the basic features you also receive a number of additional options.
- 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
Contacting Credit Bureaus for Disputes or Discrepancies
Equifax: Visit <> or call (888) 766-0008
Vantage vs. FICO Scores
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?
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%)
300 – 499: Very poor
500 – 600: Poor
601 – 660: Fair
661 – 780: Good
781 – 850: Excellent
300 – 600: Subprime
601 – 660: Near prime
651 – 780: Prime
781 – 850: Superprime