Sometimes, when you're shopping around for a car, it may take days, if not weeks, till you find the car that you absolutely want. It doesn't make sense to pull your credit right away.

That's where ScoreNavigator's Instant View comes in. Get a glimpse of your 25 line item summary report and TransUnion credit score along with Credit Factors to get an idea of your current situation.

If all looks well, great! You're ready for the next step at the dealership. If something looks off, whether you see discrepancies or your score is too low to get approved or a favorable rate, then you know what you need to do: upgrade your plan to a 1, 2, or 3 credit bureau report and start following the recommended action steps generated by the simulators.

When I first started using ScoreNavigator, I was at a point in my life where I wasn’t doing the best financially. I was ready to tank my credit in order to help me get a few things I needed to keep working. After speaking with Joy, she convinced me that it was a bad idea and that I could go about things a different way. I signed up with ScoreNavigator and was able to key in on the things I needed to work on to improve quickly. As I followed the recommendations from the simulators, over time, my credit scores went from the low 600’s to mid 700’s. I was then able to get a brand new Tacoma, a nice apartment, and about 30k in available credit. I’m so glad I decided to take the time to work on my credit as opposed to giving up and being in a worst position. I’ve recommended ScoreNavigator to several friends and am happy to see that they, too, are improving their financial situations.

Dave K.