When registering your account, it may take 3 days to fully activate your account for monitoring with the credit bureau. Therefore, be advised, your credit score may not be available for your full trial period.
To generate your level of risk and for educational purposes, all credit scores reported on SproutYourScore.com utilize the Vantage 3.0 model, which may be the model used by some lenders.
What is a Good Credit Score?
In order to have an excellent credit score, you should aim to achieve a score of 720 or higher. Although only 53 percent of people have a score of 700 or higher, achieving a high score is possible. If you’re unsure where you fall in that percentile, with SproutYourScore.com you’ll be able to view this information.
The FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies (Experian, Equifax, and TransUnion) once every 12 months through a central source. Georgia residents can receive two disclosures per year. Although comprehensive, the credit reports from each of the three national credit reporting companies that are available from SproutYourScore may not have the same information as a credit report obtained directly from the three national credit reporting companies or through the central source. To request your free report under the FCRA, you must go to www.annualcreditreport.com, or call 877-322-8228. SproutYourScore Products are not related to the free FCRA disclosure that you are or may be entitled to.
Credit Report Errors
Due to data input errors, incorrectly reported accounts, and even due to identity theft, it’s common to find errors on your credit report. We advise you to review and monitor your SproutYourScore provided TransUnion, Equifax, and Experian credit reports for continuous accuracy.