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Credit Bureaus

ScoreNavigator 3B includes your TransUnion®, Equifax®, and Experian® Credit Reports and Scores. Scores provided are Vantage 3.0, which range from 300 to 850.

Point Deduction Technology®

Point Deduction Technology® is used to analyze your credit data. Credit scores range from 300 to 850 leaving the possibility of capturing up to 550 points. The software recognizes many factors used in credit scoring and assigns a point deduction number per item on a credit report. The assigned numbers will range from 0 to 100+ depending on the type of accounts reported. The analysis separates the short and long term point deductions, posting recommendations to recover the necessary points to unlock your Credit DNA.

Target Score Simulator®

An innovative product allowing you to enter a target score and based on credit data will provide a plan to achieve your goal. By using Point Deduction Technology®, our software analyzes your credit data and creates a list of recommendations. This information allows you to build a plan enabling you to capture and/or build points in the fastest, easiest, and most economical way.

Money Simulator

The Money Simulator will show you the best place to apply money to your creditors so you can get the most positive impact on your score.

Manual Score Simulator

The Manual Score Simulator allows you to build and also correct your credit data testing to gain valuable points. The Manual Score Simulator will also show you how many points you may lose by making the wrong decisions.

Short & Long Term Recommendations

ScoreNavigator gives you step by step recommendations on how to maximize your credit score. Short Term Recommendations can typically be performed in under 60 days, where as Long Term Recommendations can sometimes take longer.

Credit & Financial Monitoring

Our credit monitoring feature can be helpful for spotting certain problems, such as if somebody opens a new credit account in your name using your stolen information. You will be alerted to important activity such as credit inquiries, public records, delinquencies, negative information, employment changes, new accounts and other changes to your credit history.

Alerts & Notifications

As a member, you will receive periodic alerts via your e-mail, as well as other reminder notifications to get the most out of your membership.

ID Theft Assistance

With the near real-time Credit & Financial Monitoring, coupled with our own custom Alerts & Notifications, you will be able to minimize your personal threat of Identity Theft.

Credit & Financial Education

Credit & Financial Education is an essential part of the economic and non economic activities which lead in deciding the efficient procurement and utilization of finance with profitable manner. Financial Education is an integral part of overall management and is essential in managing your credit.

Credit Analytics & Comparisons

Point Deduction Technology® is used to analyze your credit data. Our software then runs a series of analytics on your credit data to show you how you stand among others in your credit score range.

Credit Related Advice

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.

Phone & E-Mail Support

As a member, you have access to our team of credit specialist if you ever have any questions while utilizing our services.

24/7 Online Access

As the intregal part of your membership, ScoreNavigator® provides you 24/7 Secure Online Access to your Credit Files & Scores, and all other included credit tools.

Financial & Budget Analysis

You will never manage your credit without first managing your finances. As part of your membership, you will create an ongoing household budget that will help you maintain the best credit rating.