Your VantageScore® and grade is based primarily on a 24-month review of your credit report. Your credit report has information – such as your history of payment punctuality, the total amount of your available credit, the total amount and type of debt you have, the number of open and active accounts, and the longevity of your relationships with creditors.
Credit Score Simulator Offered By TransUnion®
“Only available as part of TransUnion® Credit Monitoring, the Credit Score Simulator tool shows you ways your current credit score would change based on future actions and events.”
The online credit score simulator is a useful tool that provides an insight of how different factors may affect your credit score. For example, just applying for a new credit card may downgrade your credit score by 2 points.
“With Credit Score Simulator, you won’t just know where your credit score stands, but also where it could go.”
Credit Score Simulator Highlights:
- Learn the easy way by planning credit actions ahead of time
- See how future actions or events would impact your score
- Select from 14 different categories
- Explore thousands of possible credit score simulations!
Changing Monthly Due Date for your Credit Card
Most credit card companies will let you change their card’s monthly due date. Doing so may help you spread your expenses more evenly within each month. Just remember, if you end up calling in and getting your monthly due date changed, take note of it so you don’t forget and miss a payment! Also, changing the credit card’s monthly due date may only be allowed once during a specific period of time.
Protect Yourself at the Pump
Criminals can install theft devices on top of gas station payment machines to steal your credit card information. To help reduce your risk, choose pumps closer to the gas station’s convenience store and check the machine for anything out of the ordinary before putting your card in.