idtheftprotectioncomparison.com
Credit Score Chart
Your Own Credit Score
The most important item in a consumer's financial resumé today is his or her credit score. The one most widely used is the "FICO" (Fair Isaac Corporation) score, the standard measure for credit risk. This score was developed in 1989 as a joint project by Equifax and the Minneapolis-based Fair Isaac Corporation, which provides financial services to the world's 10 largest banks, as well as companies in more than 60 countries.
The scoring system awards points for each factor that can help predict the likelihood of a person repaying debts on time. The total number of points -- the credit score -- predicts how creditworthy a person is. The FICO score, a three-digit number between 300 and 850, is a snapshot of a person's financial standing at a particular point in time. The higher a credit score, the more likely a person is to be approved for loans and receive favorable interest rates.
[FICO scores are calculated from a lot of different credit data in your credit report. The percentages in the chart reflect how important each of the categories is in determining your score. These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.]
The best credit rates are given to people with scores above 770, but a score of 700 -- out of a possible 850 -- is considered good, according to Fair Isaac. The median score is about 725. Generic interest rate calculations on the myfico.com Web site show that when the score dips below the mid-600s, those consumers generally qualify only for "subprime" lending and the interest rate starts to climb significantly.
Fair Isaac Corporation does not maintain a database of FICO scores, as many assume. Instead, when a lender requests a credit rating, the score is generated by one of the national credit bureaus from which the lender has requested the report. Fair Isaac provides the credit bureaus with software containing an algorithm -- a mathematical formula derived from random samples of consumers' credit information -- and that is what is used to calculate the score.
Currently, you can obtain for a fee, your FICO score at myfico.com.
http://www.myfico.com/myfico/CreditCentral/LoanRates.aspx
A Higher FICO® Score Saves You Money
The Loan Savings Calculator shows how FICO® scores impact the interest you pay on a loan. Select your loan type and state, enter the appropriate loan details and choose your current FICO® score range. You can see that working to get your score in the higher ranges can mean a big savings!
The rates shown are averages based on thousands of financial lenders, conducted daily by Informa Research Services, Inc. The 30-year fixed home mortgage APRs are estimated based on the following assumptions. FICO scores between 620 and 850 (500 and 619) assume a Loan Amount of $150,000, 1.0 (0.0) Points, a Single Family - Owner Occupied Property Type and an 80% (60-80%)Loan-to-Value Ratio.
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http://www.myfico.com/affiliates/affiliate.aspx
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Contact Us
Have a question about your ScoreSense® membership? We're here to help.
By Phone
The ScoreSense team is available to answer your questions via phone seven days a week.
Live representatives are available at 800-972-7204 during the following hours:
Monday through Friday, 8AM to 8PM CSTLive representatives are available at 800-972-7204 during the following hours:
Saturday, 8AM to 5PM CST
Sunday, 12PM to 6PM CST
By Mail
ScoreSense, a Product of One Technologies LP
4447 North Central Expressway
Suite 110 PMB 406, Dallas, Texas 75205 =================
4447 North Central Expressway
Suite 110 PMB 406, Dallas, Texas 75205 =================
The IRS is committed to working with taxpayers who are the victims of identity theft
The IRS has taken numerous steps to combat identity theft and protect taxpayers. We are continually looking at ways to increase data security and protect taxpayers' identities with assistance from our Identity Protection Specialized Unit. Identity theft cases are among the most complex ones we handle.
We know identity theft is a frustrating process for victims. We take this issue very seriously and continue to expand on our robust screening process in order to stop fraudulent returns and protect innocent taxpayers.
Victim of identity theft?
- Lost or stolen wallet?Have you become the victim of identity theft? Here are places for help.
- Data BreachHas your business encountered a data security breach?
- Protect yourselfTips from the IRS to help protect yourself from identity theft
- IRS action on identity theft
IRS combats identity theft and refund fraud on many fronts - Additional helpful resourcesIRS identity theft news and outreach
- Taxpayer Guide to Identity Theft
A one-page guide for identity theft victims. - Special Identity Theft Enforcement Efforts
2014
20132012 - Law Enforcement Assistance Pilot Program
Pilot program designed to aid law enforcement in investigating and prosecuting specific cases of identity theft.
Remember:The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels.
http://www.irs.gov/uac/Identity-Protection
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http://www.pbs.org/wgbh/pages/frontline/shows/credit/more/scores.html
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State Regulations
All of the lenders in our network agree to adhere to federal laws and state regulations that apply to the short term loan industry. Some of the things that states typically regulate include whether or not short term loans are allowed, the maximum amounts of these loans, the number of loans that may be outstanding at any given time, the fees and interest that lenders can charge and even how many rollovers are available to consumers. We have compiled a list of states, the maximum loan amounts in those states and the regulations they have in place for your convenience.
Alabama - $500 – Finance charges may not exceed more than 17.5% of the total loan amount.
Alaska - $500 – Finance charges may not exceed more than 15% of the total loan amount, and lenders can charge a discretionary $5 origination fee.
Arkansas - $400 – Finance charges may not exceed 10% of the total loan amount and additional charges, such as those for origination fees, may not exceed $10.
California - $300 – Finance charges may not exceed 15% of the total loan amount.
Colorado - $500 – Lenders are permitted to charge a $30 maintenance fee for each month that the loan is unpaid. The APR associated with loans may not exceed 45%. Finance charges may not exceed 20% on the first $300 of the loan and 7.5% on amounts between $301 and $500.
Delaware - $500 – There are no further regulations in Delaware.
Florida - $500 – Lenders may charge a reasonable verification fee at their discretion. Finance charges may not exceed 10% of the total loan amount.
Hawaii - $600 – Finance charges may not exceed more than 15% of the total loan amount.
Idaho - $1000 – There are no further regulations in Idaho.
Illinois - $1000 or 25% of Gross Monthly Income – Finance charges may not exceed 15.5% of the total loan amount.
Indiana - $50 Minimum or $500 Maximum – Finance charges may not exceed 15% of the first $200, 13% on amounts between $251 and $400, and 10% on amounts between $401 and $500.
Iowa - $500 – Finance charges may not exceed 15% for the first $100 of the loan and 10% on the remaining amount of the loan.
Kansas - $500 – An administrative fee may be charged at the lender’s discretion. Finance charges may not exceed 15% of the total loan amount.
Kentucky - $500 – No more than two loans are permitted at any given time and these loans may not exceed the state maximum. Finance charges may not exceed more than 15% of the total loan amount.
Louisiana - $350 – Finance charges may not exceed 16.75% of the total loan amount.
Maine – There are no loan limits or state regulations in Maine.
Michigan - $600 – Finance charges may not exceed 15% of the first $100, 14% for the next $100, 13% for the third $100, 12% for the fourth $100 and 11% for the fifth and sixth $100. Administrative fees are also allowable.
Minnesota - $350 – Finance charges may not exceed 5.5% on the first $100, 7% for amounts between $101 and $250, and 6% on amounts between $251 and $350. Administrative fees are also allowable.
Mississippi - $400 – Finance charges may not exceed 18% of the total loan amount.
Missouri - $500 – Any finance charges or interest is allowable as long as the total charges do not exceed 75% of the total amount of the loan.
Montana - $50 Minimum and $500 Maximum – Finance charges cannot exceed 36% of the total loan amount.
Nebraska - $500 – Finance charges cannot exceed 15% of the total loan amount.
Nevada – No More than 25% of Gross Monthly Income – There are no additional regulations in Nevada.
New Hampshire - $500 – Finance charges may not exceed 6% of the total loan amount.
New Mexico – No More than 15% of Gross Monthly Income – No additional regulations in New Mexico.
North Dakota - $500 – Finance charges cannot exceed 20% of the loan amount.
Ohio - $500 – Finance charges may not exceed 28% of the total loan amount.
Oklahoma - $500 – Finance charges cannot exceed 15% on the first $300 and no more than 10% on any remaining loan amount.
Oregon – No More than 25% of Gross Monthly Income – Origination fees of up to $30 are allowable. Finance charges may not exceed 36% of the total loan amount.
Rhode Island - $500 – Finance charges cannot exceed 15% of the face value shown on the provided check.
South Carolina - $550 – Finance charges cannot exceed 15% of the total loan amount.
South Dakota - $500 – No additional regulations in South Dakota.
Tennessee - $500 – Finance charges may not exceed 15% of the total loan amount.
Utah – No minimum loan amounts or regulations in Utah.
Virginia - $500 – Verification and origination fees are allowable. Finance charges may not exceed 15% of the total loan amount.
Washington - $700 or 30% of Gross Monthly Income – Verification fees are allowable. Finance charges may not exceed 15% of the total loan amount.
Wisconsin – No loan limits or regulations in Wisconsin.
Wyoming – No Maximum – Finance charges may not exceed $30 or 20% of the principle balance, whichever is less.
The states in which short term cash loans are prohibited are: Arizona, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, Vermont and West Virginia.
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| CheckCreditScore.com | $12,000 | 379,000 | 8,118 | - | high | $21.4 | All Taken |  | ||
 | CheckYourCreditScore.com | $11,000 | 14,900,000 | 3,567 | - | high | $21.07 | All Taken | | |
| 3CreditScores.com | $700 | 3,920,000 | 2,952 | - | high | $20.64 | All Taken | | |
| CreditScoreCheck.com | $4,300 | 307,000 | 1,968 | - | high | $20.33 | All Taken | | |
| ScoreCheck.net | $310 | 706,000 | 172 | - | low | $18.56 | All Taken | | |
| CreditScoresFree.com | $4,000 | 7,850,000 | 1,968 | - | high | $16.74 | All Taken | | |
| CreditScoreFree.com | $12,000 | 221,000 | 2,952 | - | high | $16.12 | All Taken | | |
| 3-Free-Credit-Scores.com | $40 | 313,000 | 258 | - | medium | $14.87 | Com Taken | ||
| CreditReportScores.com | $10,000 | 320,000 | 5,412 | - | high | $13.01 | All Taken | | |
| GetCreditScores.com | $4,600 | 8,040,000 | 209 | - | medium | $12.8 | All Taken | | |
| Your-Credit-Check.com | $330 | 73,000,000 | 172 | - | medium | $12.4 | Com Taken | | |
| CreditScore.com | $290,000 | 72,500,000 | 247,230 | - | high | $11.68 | All Taken | | |
| Credit-Scores.net | $3,700 | 31,200,000 | 40,713 | - | high | $10 | All Taken | | |
| IdTheftProtection.com | $7,200 | 250,000 | 3,567 | - | high | $9.73 | All Taken | | |
| CreditScoresGood.com | $380 | 3,090 | 135 | - | low | $6.48 | All Available | | |
| IdTheft.com | $56,000 | 2,640,000 | 9,963 | - | high | $4.87 | All Taken | | |
| Id-Theft.com | $1,200 | 2,640,000 | 9,963 | - | high | $4.87 | All Taken | | |
| FastReview.us |
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