Credit DNA, Inc.

This is just one step to managing your credit and finances not the final solution. Too much emphasis is being put on the 3 major credit bureaus instead of ourse...lves policing the data. All creditors have a simple system put in place to update and verify credit data, they just choose to report the way they want to report. Credit bureaus are often flooded with erroneous disputes from paid companies challenging the validity of the negative items. What people don't understand is other than public record information, (Bankruptcies, judgements) everything else reported has point value, positive and negative credit but not everything has a point deduction. With the new rules going into play, the negative items will drop off in 4 years. The goal is to establish positive accounts with good pay history to eventually replace the purged negative ones. Positive credit or lack of positive credit has as much or more impact on your score than negative credit. With credit scoring algorithms changing it is important to know the best way to manage your money to Navigate your scores. Best day to pay, how much to pay, when to charge again, and the best day to have your credit pulled is crucial. ScoreNavigator.com will provide you in detail an action plan.

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CreditDNA.us provides businesses and consumers a comprehensive analytical predictability score report on the VantageScore solution.

Credit isn't important to people...until IT IS! Some of your life's biggest financial moments can come down to a single credit check. Many wait til the last minute to find out where they stand. It's important to "Know Before You Go" shopping for a major purchase or before applying for credit. Many employers today require a credit check for their new employees. Don't wait til the last moment, join CreditDNA and find out not only where you stand, but more importantly how credit works for you! Having a healthy credit profile can easily save you thousands of dollars!

According to the Consumer Financial Protection Bureau, nearly 26 million adults in America are labeled "invisible," meaning they have no credit history. An additional 19 million were considered unscoreable, meaning they lack enough recent credit history to generate credit scores. They either have thin files, too few accounts, or stale files that haven’t been updated for an extended period of time. Nearly 35% of these individuals have entered what is called "credit-...retired," not actively using their credit. Having No Scores Can Cost You Consumers with limited credit histories or scores could be denied credit or face substantially reduced availability to credit. Without scores, even if approved for a loan, these consumers would not get the best interest rates available. Not only does your scores or lack thereof affect approvals and rates, it can also have an effect on getting cell phones or even utilities turned on. Sometimes the cash only approach will not suffice when trying to make a large item purchase. Credit Scores Can Die Quickly Closed accounts in good standing typically remain on credit reports for 10 years. However, lenders often stop updating those accounts soon after they’re closed. Without these updates, proper credit scores cannot be generated. Most scoring models look for accounts to have been updated within the last 6 months, meaning active. Starting With At Least One Credit Card Can Help Working with your positive credit is the key to building or reviving scores. Starting with a single credit card is a great start, as long as the card issuer reports to all three major credit bureaus. Balances should be paid in full each month, if possible, since there’s no credit score advantages to carrying debt. Remember, it takes time to build a good credit history, the important thing is getting started. You never know when you will need credit, don't neglect it until the last moment!

Your credit score could be costing you thousands of dollars every year, it is time to take back control of your credit and financial future! Anyone can give you a report and a score, only CreditDNA tells you what to do next! CreditDNA provides you with the most comprehensive way to see and understand your credit report and score. Our Point Deduction Technology analyzes your complete credit file, explains where you are losing points, why you are losing your points and more importantly, how to get them back! This enables you to focus on the accounts that mean the most with the least amount of effort and time.

Full Credit & Financial Wellness

Sure, you can access your credit report anywhere. But what's the use if you don't understand the data or know what to do with the information? You don't have to spend thousands of dollars for a gameplan that's outdated and still involves a lot of guesswork. We eliminate all of that for you! Use our discount link to get $10 OFF your next purchase of a credit report featuring our unique Point Deduction Technology. This includes a FREE credit analysis with our credit specia...lists. Learn how to MAXIMIZE your credit profile today! LINK is in the comments section! :-)

A Strong Credit Score Will Save You In Excess Costs! There are many places you can get your credit score and possibly even a report, but only CreditDNA tells you what to do with it. Call 1-866-944-8845 or visit www.creditdna.us to learn more!

Who Has Better Credit -- Men or Women? A Recent Analysis from Experian reveals that answer. https://www.experianplc.com//experian-shows-women-surpass/

Important to know who you are paying! http://blog.credit.com//2-of-americas-largest-debt-collec/

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COMPLETE MANAGEMENT As a Valued Member, you will be provided with up-to-date educational material and a specialist to work with your credit and financial goals. By having 24/7 online access, you are only seconds away from changing your current credit and financial situation. Building and understanding your financial profile is essential to understanding your spending and credit habits. Our interactive budget program allows a specialist to intervene simultaneously. Once we hav...e all the necessary data, our software will analyze the data and provide you with the right plan. We understand you can't manage something you can't see, so our Credit Management program is designed for you to view your reports either separately or combined. Our software analyzes the data and highlights in red where most errors occur on a report. Our experience is "Positive Credit or Lack of Positive Credit has as much or more impact on your credit score than Negative Credit." With this in mind, we educate you on how and why to focus on current credit and financial issues. Our members have access to state-of-the-art programming. Our Target Score, Manual, and Money Simulators all provide you with different scenarios and recommendations to achieve short and long term goals. You will be provided with Point Deduction Technology on both the credit files and simulators which allows you to better understand the weight each account carries. Action steps will be posted to facilitate credit score maximization.