Imagine you found the house you’ve always dreamed of, and you can afford it today.  The only problem is, you need to raise credit score fast by 50 to 100 points, otherwise someone else will get the deal.  The sellers have agreed to wait (after all they couldn’t sell for 2 years).  But they will only wait for 30 days.  Your mortgage broker tells you a 50 point increase is needed at the very least, 100 points is a sure shot.
Normally it would take at least 45 days …

When trying to repair credit scores quickly, think of the 5 main components which influence credit scores in the following proportions -
Payment history: late payments, bankruptcies, collections, judgments – 35%
Debt utilization: the ratio of revolving balances to total revolving credit – 30%
Credit history length: how long the accounts have been open – 15%
Type of credit: credit cards vs. installment loans – 10%
Hard inquiries: applications for new credit – 10%
These proportions, however, may change depending on the type of loan the consumer is looking for.  If you must repair credit …

Smart Credit allows you to control all aspects of your credit – from one safe and convenient console.

Experian FICO is no longer available, so financial institutions are offering Experian Advanced Risk Score 2.0, which belongs to the FICO NextGen scores. The Advanced Risk Score 2.0 range is from 150 to 950 points, leading to further confusion among consumers on how just to interpret this credit score.

In short, every 3 months for someone who is really concerned (regarding identity theft, etc.) or at least twice a year for others (those looking to improve their credit, or just for general check ups).
There are several resources where you can order your credit report for free, and since all you want is to proof-read it against potential identity theft, you do not need to buy credit scores.  For starters, you should get a free annual credit report once a year.  There are several good services that offer protection against …