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What is SmartCredit io?
SmartCredit.io is a peer-to-peer lending platform for direct interactions between P2P customers. Clients hold their cryptoassets or ERC20 Smart Money tokens locally in their own standard wallets (MyEtherWallet, etc). Borrowers submit their loan requests and lenders place their loan offers.
How do I cancel my SmartCredit account?
To cancel your Smart Credit membership: Call customer service on 1 (855) 595-4243. Ask to speak with a representative. Provide them with your customer details and request cancellation of your membership.
What score does credit versio use?
Credit Versio automatically imports and analyzes your 3 bureau credit report, finds negative accounts, and prepares an aggressive dispute strategy.
How accurate is smart credit?
SmartCredit is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete. SmartCredit offers access to all three credit reports, which is a huge benefit if you want to ensure all the information used by creditors is accurate.
Does SmartCredit use FICO score?
User ScoreMaster® to plan the best time to spend money. ScoreMaster® uses the Vantage 3.0 Credit Score which was built by Experian, TransUnion & Equifax to compete with the FICO® Credit Score. ScoreMaster® is a credit score simulator designed for educational purposes only. Results are not guaranteed.
Who owns smart credit?
ConsumerDirect® ConsumerDirect® is the maker of the Smart Credit system and was founded in 2003.
Is smart credit free?
SmartCredit offers two membership levels: basic and premium. The basic membership is currently priced at $13.95 per month and comes with two monthly updates to your credit report and score and unlimited access to the ScoreTracker, ScoreBuilder, ScoreMaster, Credit Monitoring, and Money Manager.
How accurate is Experian?
Is Experian Accurate? Credit scores from the credit bureaus are only as accurate as the information provided to the bureau. If it is, your Experian credit scores are accurate. If your credit report is not accurate, you’ll want to look into your credit repair options.
Does Credit Karma give accurate scores?
Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.
How often does smart credit update?
Your transactions, instant statements, and trends are updated every 24 hours. Verify transactions are yours and not theft. Stop theft with the action button. Receive Alerts when payments are due.
What company is smart credit?
ConsumerDirect® ConsumerDirect® is the maker of the SmartCredit® system. Keep your money & credit stable and growing for the long run, in a simple all-in-one place.
How do I use smart credit?
You can borrow load to do calls and texts when you run out of load. The borrowed amount will then be deducted to your next reload. To borrow, dial *123#, select Balance and Services, choose Smart Credit and identify your preferred package. All valid for 1 day.
What is a 3B report?
FICO® Identity Ultimate 3B gives you quarterly access to a new 3-bureau credit report, so you can get a detailed view on what’s affecting your credit. We’ll send you email reminders whenever your new 3-bureau credit reports are ready to be pulled—so you can learn right away if anything has changed.
What is UCES protection plan?
The UCES Protection Plan is designed to support your financial future by implementing positive habits to create and maintain a strong financial future. In the spirit of that mindset, long-term Protection Plan members will receive Rocket Lawyer services after their third payment at a new, low monthly price of $69!
How reliable is IdentityIQ?
Is IdentityIQ score accurate? IdentityIQ offers FICO® or VantageScore® credit scores from each of the credit bureaus, and your score will always be accurate based on the latest reporting.
Is Experian usually the lowest score?
Credit scores help lenders evaluate whether they want to do business with you. The FICO® Score☉ , which is the most widely used scoring model, falls in a range that goes up to 850. The lowest credit score in this range is 300. But the reality is that almost nobody has a score that low.
Is a FICO score of 8 good?
FICO 8 scores range between 300 and 850. A FICO score of at least 700 is considered a good score. For example, the FICO Bankcard Score 8 is the most widely used score when you apply for a new credit card or a credit-limit increase.
What is a good FICO score?
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Why is Credit Karma so wrong?
Why your Credit Karma credit score differs Your score can then differ based on what bureau your credit report is pulled from since they don’t all receive the same information about your credit accounts. Secondly, different credit score models (and versions) exist across the board.
Why is my Experian score so much lower?
This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also unusual.
Why is Credit Karma so off?
Credit Karma receives information from two of the top three credit reporting agencies. This indicates that Credit Karma is likely off by the number of points as the lack of information they have from Experian, the third provider that does not report to Credit Karma.
How does score master work?
ScoreMaster® helps you plan spending on your revolving accounts by showing you the resulting decreasing in your credit score and when to pay those amounts to void any negative score impact.
What are action buttons on credit versio?
Credit Versio has two main service tiers. One allows two disputes (or action buttons) each month and the other allows unlimited actions. The tier you choose will depend on the number of negative items you need to dispute. If you have several items to dispute, credit repair can take several months to complete.