Your Learning Center

Trust us, we know just how nerve wracking all this credit stuff can be--but we’re here to help you better understand it all. Through our Learning Center you’ll have access to information that will teach you about your credit scores/reports and the basics of credit monitoring.

Your credit score is essentially the contents in your credit report represented in the form of a number. The credit score is calculated to give lenders a quick look into your creditworthiness so they can determine their level of risk. The higher your score, the more likely it is that your application will be approved with a decent interest rate.

Well, first you should know that there are a handful of score factors used to determine a person’s creditworthiness. The combination of these factors make up your credit score--but not all of the factors impact your score equally. This is important to know because these are the things that affect your score either negatively or positively. The factors are as follows:

  • Any delinquent accounts
  • Revolving credit balance too high
  • New credit (number of inquiries)
  • No active mortgage accounts

Companies turn to credit scores to help determine a person’s creditworthiness. Therefore, depending on the industry, a company could use your credit score for a variety of reasons. Financial companies, creditors, employers and insurance companies typically look at the credit score as “snapshot” of that individual’s report, which they use to make quick, informed decisions.

However, companies don’t always look at your scores/reports from Experian, Equifax and TransUnion. Some companies will choose to work with all 3 bureaus, while others may choose to focus exclusively on scores/reports from a particular bureau. It varies depending on the specific industry and their related needs.

Absolutely! Credit plays such an enormous role in our day to day lives so it is important to know where yours stands. A convenient way to do that is to visit www.annualcreditreport.com. Every 12 months, you are entitled to one free credit report, by federal law, from all of the 3 credit bureaus.

However, many people prefer to take a more involved approach. As a SrvTs.com member, you’ll not only have the ability to check your credit reports whenever you want, you’ll also get 24/7 credit monitoring across all 3 bureaus. With your credit constantly being observed, you can take comfort knowing you’ll automatically be alerted if there are ever suspicious or irregular activities in your credit profile.

Companies submit monthly updates to the credit bureaus. Having said that, they can submit those at different times during the month--some might submit their updates at the beginning of each month and some might submit at the end.

Credit monitoring is a service that continuously watches someone’s credit to keep an eye out for changes in their credit profile. Not only is a credit monitoring service a great tool against issues like identity theft, it is also a great way to proactively improve and track your overall credit wellness. With credit monitoring you’ll be getting alerts for changes like new inquiries, missed payments or even new accounts.

When you apply for anything related to credit, be it financing a car, opening a credit card, or signing a lease, those financial institutions check your credit to gauge your credit worthiness. It’s very important to look into any inquiries that you don’t recognize because you should never have any unauthorized ones on your account.

As a SrvTs.com member, not only do you get unlimited access to credit reports and scores from TransUnion, Experian and Equifax, but also credit report consultations and our 24-hour credit monitoring service. On top of that, you’ll have exclusive access to our expert credit education center and get alerts if anything in your profile changes.

Nope! You’ll have immediate access after enrollment. When you sign up, you will be redirected to our SrvTs.com membership dashboard and can use the tabs at the top to see your reports, scores and all the other great membership features.

Login to your account--when you have the dashboard pulled up, click on “3 Credit Alerts”. You will be able to see any credit alerts from there.

Don’t worry, we can help. First you need to figure out what the alert is for. Was it a new credit inquiry? Has a new account been opened in your name? Once you have looked over the alert(s), the second step is to check your credit report and verify that those have been reported accurately.

For example, if you have recently been applying for credit, receiving that “new inquiry” alert, or the notification that a new account has been opened in your name would make sense. However, if you do not recognize the items on your report that you were alerted about, then the third step is to contact the company associated with those items. By actively checking these alerts, you can catch inaccuracies and save yourself a lot of time, money and hassle.

Tanasie Scores is the proud owner of this website.

4 Research Dr, Ste 402 Shelton, CT 06484

Important Information: The credit score(s) you receive from us may not be the same scores used by lenders or other commercial users for credit decisions. There are various types of credit scores, and lenders may use a different type of credit score to make lending decisions than the ones being offered.

Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

After verification of your identity, your scores are available for immediate online delivery securely. Scores shown are for illustrative purposes only.

SrvTs.com provides you with the tools you need to access and monitor your financial profile through the program's credit reporting and monthly monitoring benefits. SrvTs.com Credit Monitoring and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses. Credit information is provided either by Transunion® and TransUnion Interactive, Inc. or Experian and CSIdentity Corporation.

All product and company names and trademarks mentioned herein are the property of their respective owners.