價格：免費
更新日期：2018-12-27
檔案大小：2.4M
目前版本：10.5
版本需求：Android 3.0 以上版本
官方網站：https://academehub.com/
Email：hacademe@gmail.com
聯絡地址：隱私權政策
This 6 lesson mini-course will show you how to get free credit score, learn about score Check, Credit monitoring (credit tracker), credit repair (credit fix) and more
Those financial domains are often threatening, but don’t worry, we are here to make it simple and understandable – all you need to do is put the time and effort in learning.
Your credit score or credit rating is very significant, it may affect your future when Applying for a loan, applying for a job, leasing an apartment and more.
Sometimes the lake of knowledge causes many problems that could be avoided, this is your opportunity to build your credit score right, learn about free credit score alternative and different credit reporting agencies (the major ones are Equifax, Experian, and Transunion), learn basic concepts that you should know, from fico score to credit freeze (credit lock), credit monitoring and more.
In this mini-course :
# Lesson 1: Calculating a credit score - Credit scores vary from a scoring model to another, but in general, the FICO scoring system is the standard in U.S., Canada, and other global areas. It is important that you’ll understand how he score is calculated, so you will be able to position yourself in the best possible way.
# Lesson 2: Credit Bureaus – three bureau credit report - A credit bureau is a collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency (called a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India). Most U.S. consumer credit information is collected and kept by the four national traditional consumer reporting agencies: Experian, Equifax, TransUnion, and Innovis.
# Lesson 3: Credit freeze – Credit Lock - also known as a credit report freeze, a credit lock down, or a security freeze, allows an individual to control how a U.S. consumer reporting agency (credit bureaus: Equifax, Experian, TransUnion, Innovis) is able to sell his or her data. The credit freeze locks the data at the consumer reporting agency until an individual gives permission for the release of the data.
# Lesson 4: Acquiring and understanding credit reports and credit scores - Consumers can typically check their credit history by requesting credit reports from credit agencies and demanding correction of information if necessary.
In the US, the Fair Credit Reporting Act governs businesses that compile credit reports. These businesses range from the big three credit reporting agencies, Experian, Equifax, TransUnion, to specialty credit reporting agencies that cater to specific clients including payday lenders, utility companies, casinos, landlords, medical service providers, and employers. The consumer credit reporting agencies it governs provide a free copy of the credit reports for any consumer who requests it, once per year.
# Lesson 5: free credit monitoring and credit tracker - Credit report monitoring or credit tracking is the monitoring of one’s credit history in order to detect any suspicious activity or changes. Companies offer such service on a subscription basis, typically granting regular access to one’s credit history, alerts of critical changes to one’s credit history, and additional services. Credit monitoring can help detect credit related fraud and identity theft.
# Lesson 6: fix your credit score – credit repair - Credit score is calculated also by taking into account your history, but there are few things that you can do to create a real impact on your credit score. If you are looking for credit repair, you should consider 11 steps, we will guide you on each of the credit repair steps in the mini course.
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