AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3 Provides Basic Information About Credit Scores

AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3*, a premier security program offered by Adaptive Marketing LLC^®, reports that having a high credit score is more important than ever. Not only can a high credit score help you get approved for credit cards, auto loans and mortgages, it can also save you money by securing lower interest rates for your existing accounts.

Your credit score is a three-digit number that banks and other lenders use to decide if you are “creditworthy” — in other words, how likely you are to pay off your debts in a consistent, timely manner. But it’s not just lenders who look at your credit score. Employers and landlords often use credit scores to determine if you are a reliable person. That means a bad credit score could cost you a new job or apartment.

AP9 PrivacyMatters123, IK9 Privacy Matters 1-2-3 reveals that credit scores are calculated from information found in your credit report, including your bill-paying history, the number and type of accounts you have, the age of your accounts and how many credit applications you have made recently. Each factor is worth a certain amount of points, and the total of those points is your credit score. The higher your credit score, the more likely you are to be approved for loans and credit cards.

AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3 provides factors of how your credit score is calculated

• Credit History. Long, strong credit histories are usually looked upon as a positive.


• Payment History. Late payments on your credit report may have a negative effect on your credit score.


• Outstanding Credit. Your creditworthiness may be lowered if you already owe a considerable amount of money to other companies.


• Existing Accounts. Having too many open accounts may damage your score, even if you aren't actively using them, because they are documented as credit that's available for your use.


• New Accounts. Future lenders sometimes look at new account activity with caution.


• Inquiries. A large number of recent inquires on your credit report may decrease your score.

AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3 notes that credit scores may be improved with patience, discipline and vigilance. And be sure to check your credit report every six months to make sure all the information is accurate.

This article is brought to you by AP9 PrivacyMatters123, IK9 Privacy Matters 1-2-3.

AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3

*AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3 provides you with the tools you need to access and monitor your financial/credit information through the program’s credit reporting and monitoring benefits. AP9 Privacy Matters 1-2-3, IK9 Privacy Matters 1-2-3 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, as defined by federal and state law.

Headquartered in Norwalk, Conn., Adaptive Marketing LLC^® is a category leader in membership programs, bringing value direct to consumers through an array of benefits in healthcare, discounts, security and personals. With broad online and offline distribution capabilities, Adaptive Marketing offers its corporate client partners effective tools to enhance market presence, strengthen customer affinity and generate additional value through programs such as AP9 PrivacyMatters123, IK9 Privacy Matters 1-2-3.

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