Receive a personalized monthly statement with your credit score and insights on
what items are influencing your credit score, which lenders may use to determine the
type of offer, and terms are best for you.
With Experian Credit Insight Program, you will receive not only your VantageScore®
credit score, but also a more comprehensive picture of your credit standing with insight
into items from your personal credit report that influence your score the most.
The Importance of Credit Scores
Banks, credit card companies, auto dealers and other lenders use credit scores,
including VantageScore, to assess a borrower’s ability to repay his or her loan
and to set loan/credit terms. In addition to credit scores they use a variety of other
information, such as income, down payments, and employment status.
scores also are frequently used by other entities, like landlords, to determine whether
they want to enter into an agreement with a tenant and how much deposit they will
require. The better the credit score, the more likely an individual will be to receive
Take Control of Your Credit
Checking your credit report and credit score are the first steps in taking control
of your finances. By checking your credit report, you will see what credit accounts
and debts are affecting your credit score. Your credit score is a reflection of your
credit history and financial behavior. It provides you an idea of what information
lenders, landlords, and employers see. A good credit score is essential for your financial
well-being because the higher it is, the less of a credit risk you are, giving you
more attractive loan options and paying less interest.
Although checking your credit report and score are great first steps, it often
is not enough. Providing you with a deeper understanding of specific elements on the
credit report and knowledge regarding what is behind the number is a valuable service
that only Experian offers.
Benefits of Experian Credit Insight Program
Credit health is measured by more than just a number. You need context for what
your credit score means, how to influence your credit health, and what factors influence
lenders. Benefits of the Experian Credit Insight Program include:
The VantageScore credit score, which offers consistency across bureau platforms
Tracking your VantageScore credit score over time
Access to key factor codes that contribute to your credit score
Personalized insight into several core factors that impact credit, such as credit
utilization, delinquencies, and the number of open accounts
Score-focused online educational tools and assistance via the phone, helping you
learn about credit and what your individual report means
An option to see your full credit report
VantageScore® is a registered trademark of VantageScore Solutions,