Frequently Asked Questions
1. What is ScoreNavigator?
ScoreNavigator is a credit analysis tool designed
for consumers and loan originators. It 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.
2. Is ScoreNavigator credit repair?
No. ScoreNavigator is not credit repair. It is a scientific
analytical tool. Its recommendations are based on the understanding
of credit score calculations and how different factors
affect scores either positively or negatively. ScoreNavigator can only suggest actions a consumer can
take. ScoreNavigator itself cannot directly cause credit
scores to rise or fall
3. How does it work?
ScoreNavigator analyzes your total credit picture based on the data reported by the bureaus. The combination of your total
credit picture, as well as, each individual item are factors in determining the score impact of each individual item on a report.
ScoreNavigator determines with 92% accuracy the point impact of each tradeline on a credit report, whether positive or negative.
4. Who should use ScoreNavigator?
ScoreNavigator is a tool 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. ScoreNavigator is a simple, practical way to determine what can be done to get your middle
score to the desired level. You don't have to do anymore than what ScoreNavigator recommends.
5. What does ScoreNavigator do that I can't do myself?
The rules used to determine 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.
Most people use trial and error and spend far too
much time and money trying to get that middle score where
they want. With ScoreNavigator you only have to follow
its simple recommendations.
6. What is a target score?
Most loan originators know what the minimum needed middle score is to get their borrower's to qualify.
7. What is the ScoreNavigator ?
Each time you run ScoreNavigator, it produces a custom ScoreNavigator Action Plan that tells
you step by step, what you need to do to maximize your credit score.
8. Are your recommendations accurate?
The accuracy of our recommendations are 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.
9. How can data on my credit report be missing
information or contain errors?
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 their borrower's
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
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
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.
- Show duplicate accounts
- Continue to report negative accounts after 7 years or public records after 10 years
- Post collections and judgments as open when satisfied
- Show bankruptcy accounts with balances
10. How can I find out more about ScoreNavigator?
ScoreNavigator is represented by ScoreNavigator, Inc.
Contact us at ScoreNavigator at 866-933-1656 or via
11. Does ScoreNavigator auto-renew my membership?
Yes. ScoreNavigator will automatically renew every 30 days unless you cancel your membership.