Point Deduction Technology® is Scientific Analytical Mathematical Software, based on rigorous credit weight algorithms, that analyzes credit data to identify where the impacts are placed on a credit file. The software analyzes an electronic version of a credit report and assigns a point deduction number per item, both positive and negative. The numbers assigned range from 0 to 100+ depending on the type accounts being reported. The software also determines where most errors occur on a credit report and how many points may be recovered by having the credit data corrected.

How Will This Help Me?

Our software analyzes the electronic version of a credit report and recommends the quickest way to achieve a credit score and to achieve the score needed for loan approval. Its proven recommendations are based on the understanding of credit score calculations and how different factors affect scores either positively or negatively.

Our software analyzes a member's total credit picture based on the data reported by the bureaus. Each section on a credit tradeline has important factors used in determining your score. The combination of a member's total credit picture as well as each individual item factors will determine positive or negative changes. The items will be marked clearly on each tradeline from 0 to 100+.

The accuracy of our recommendations is based on several factors. The information on a credit report has to be current, complete and correct. A credit report is a snapshot in time of a person's credit history. If too much time elapses between the date of credit report and ScoreNavigator's analysis, then the report no longer gives a current picture of the credit situation and our analysis can be less accurate.

If the data on the credit report is missing information or contains errors, this too will affect our ability to make accurate recommendations. In this instance, ScoreNavigator uses the most probable default for missing or inaccurate data. In this situation, we will still generate recommended action steps although those may be less accurate than ones with complete and correct data.

ScoreNavigator will provide updated reports and scores monthly to give you the opportunity to look for accuracies. You will see your score change, the new point deductions, and recommendation on how to recover more valuable points.

Our Credit Scores may be the most important range of numbers that you don't understand. ScoreNavigator was created to help consumers become more aware of their credit scores. Our credit scores drive nearly every facet of our lives. Obviously it is of most importance with acquiring a new mortgage, re-financing, purchasing an auto or other property, but many of us forget that it can determine employment, home and auto insurance rates, security clearances, and much more.

Credit Scores may be the most important range of numbers that you don't understand.

Credit scores are numbers used to determine interest rates on loans and credit cards. Studies show 79% of all credit data contains errors. This means potential lenders are not seeing the true value you possess. Members have access to their credit file 24/7 to follow the short & long term recommendations. Unlocking your Credit DNA helps you take back control of your credit. With a healthier score and managing your credit responsibly, you will make it more probable for lenders to view your credit data correctly. In turn, they can offer you lower interest rates on mortgage loans, auto loans, other loans, and credit cards.

A credit report is a "snapshot" of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit. Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

Financial Literacy is defined as "the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being."

Our educational material is available to our members 24/7 and is designed to keep members informed on how to manage their finances and credit simultaneously. To understand financial obligation, you must first understand the importance of credit in today's marketplace. Remember, debt is something owed and credit is something given.

As a member you will have access to a credit/financial coach to help you understand the significance role your finances and credit have on living a healthy and rewarding lifestyle.

Credit Education plays an integral role in our lives, understanding your credit data will give you the insight needed to strengthen your financial future.

Our staff has over 35 years experience educating members on the importance on establishing and maintaining a high credit rating. Lenders use this rating when evaluating loan and credit applications.

Members are provided with key testing so they have a thorough understanding on finances and credit. Education assures that right decisions are made while accomplishing goals you have set for your financial and credit future. You will be kept up to date with all past and current credit laws and regulations.

The data on a credit report comes from companies with whom a borrower has established credit. These include mortgage companies, credit cards, retail stores and others. They are supposed to report your credit activity monthly to one or more credit repositories. Unfortunately, they do not always do so.

The information reported may be inaccurate. For example, a balance being shown on an account, even after it is paid off - or the credit limit can be too low or show accounts being paid late when they are not. Derogatory accounts that have been closed or written off may also remain on a credit report beyond the legal period of time, normally seven years.

The data on a credit report may also contain information about accounts that do not belong to you. It may contain information about others who have a similar name or you may unknowingly be a victim of identity theft.

The credit repositories also make mistakes that contribute to these problems. The same account information may be posted twice as separate accounts, or in some cases, may be missing certain accounts that should be present.

They may:

• Show duplicate accounts
• Continue to report negative accounts after 7 years or public record bankruptcies after 10 years,
• Post collections and judgments as open when satisfied
• Show bankruptcy accounts with balances

The rules used to determine a credit scores are so complex, it is virtually impossible to figure out the impact of trade lines on the total score using pencil and paper.

Point Deduction Technology® Software is used by consumers and loan originators to maximize a credit score resulting in more approvals and closed loans. Everyday consumers apply for credit blindly not knowing the necessary steps needed to position themselves credit score wise to get the best rates and results. Everyday loan originators run across borrowers whose middle score is too low for the best loan program they have.

Settling your debt either on your own or with a reputable debt settlement or debt management company will have an immediate affect on your credit score. Chances are your scores have already changed based on your current financial situation.

During this process you will not be applying for new credit so the drop in score is irrelevant. The positive side is scoring algorithms are triggered by actions. Getting back on track by making payments will show you have the ability to repay the debt and you are willing to do so without continued use. The payments being made are reported each month and eventually will show a zero balance.

Understanding your credit data and profile is essential entering and exiting the settlement process. Our financial analysis programs will help you determine the budget necessary for distribution and also in preparation to rebuild your credit once your settlement is complete.

While entering debt settlement or debt management we recommend you join www.scorenavigator.com. You will be able to track the settlement process while understanding how you can recover valuable lost points.

When you are within sixty days from completing your repayment plan, we suggest you graduate into CreditDNA's Credit & Financial Wellness Program to insure your credit data is being reported accurately. You will be provided with specialists and a personally designed plan to help you re-establish yourself back into a safer credit environment.