Manage far more than your credit score at MyFICO.com.

More than ninety percent of United States banks base their credit decisions on borrowers’ FICO scores. Lots of subscription credit-score services will show your numbers, but only MyFico.com gives you tools and resources for managing all of your finances so that you dramatically can improve your FICO score. Among the three scores credit-reporting agencies calculate, your FICO score carries the most weight, because experts say it gives the most accurate and comprehensive assessment of your spending and bill-paying habits. Consumers must understand and accept the great paradox in lending: those who are best prepared to make their regularly scheduled payments pay far less for credit than those who struggle to keep up with their monthly obligations. The difference can amount to hundreds of thousands of dollars over the life of a long-term loan. My FICO.com reports, “A 100 point difference in your FICO score could mean over $40,000 extra in interest payments over the life of a 30 year mortgage on a $300,000 home loan.” Well-qualified buyers enjoy similar savings on auto loans and credit card interest.

You are constantly at-risk of identity theft.

Use the tools and tracking services at myFICO.com to protect yourself against the constant threat of identity theft. Especially if you frequently shop or pay bills online, you are vulnerable to hard drive hijack. According to the FBI, spyware and adware now account for more than 80% of identity thefts, and rogue programmers frequently hide their code-stealing devices inside bogus security software, encouraging you to plant their tools directly in your hard drive. The services at myFICO.com keep track of activity in all your accounts and on all of your credit cards; they especially monitor applications for and initiation of new accounts. You immediately will know if a con artist has hijacked your vital digits for his own criminal purposes.

Keep track of errors, corrections, and updates.

Everybody makes occasional bookkeeping errors and negotiates his or her way through some billing and credit disputes. The credit-reporting agencies frequently receive notice of the mistakes but do not update your report and scores for corrections and resolutions. With the resources on myFICO.com, you can keep your report completely up to date, raising your score by eliminating derogatory reports. Just as importantly, if you have struggled with credit card debt in the past, new rules and regulations governing credit card companies will work to your advantage. Laws that took effect in August, 2010, change billing cycles, grace periods, and definitions of delinquencies and defaults. Benefitting from these changes, you will raise your credit scores, and regular updates from myFICO.com will show your gains.

Monitor improvements in your FICO score.

You understand that maintaining good credit depends more on common sense than financial algorithms, but recession-ravaged families have struggled mightily to follow common sense’s dictates. Eight of ten American families have suffered hard hits to the credit scores during the New Depression, and your own economic recovery may just be getting started. As you return to regular payments and strategic reductions in your debts, your credit scores naturally will rebound. With regular reports and strategic suggestions from myFICO.com, you can monitor and manage your progress.

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