Free Credit Score Sample

Based on your credit report data, your CreditXpert™ score is
674

Although this CreditXpert Credit Score™ is similar to the FICO® score used to underwrite your loan application, it may differ for a variety of reasons. Learn more.

Your credit rating ranks higher than 40% of U.S. consumers.

About your credit score

Credit scores are based on the information in your credit bureau record. The majority of CreditXpert Credit Scores(tm) are between 400 and 900. Higher scores are better. With a high score, you have a good chance of getting the credit and loan(s) you want. Keep in mind that when lenders consider a loan or credit application, they generally ask for more information because credit scores are not the only factor they use in making decisions. Typically, this includes personal data (such as income and monthly payments) used to determine your ability to pay.

What your credit score means:

Thanks to your high CreditXpert Credit Score(tm), you should not have much difficulty getting some of the better loan offers available from lenders, whether an auto, a mortgage, or a personal loan. However, this may not be true for credit card offers, because you may receive better interest rates and higher loan amounts if you had a higher score. You can improve your credit score by continuing to always pay your bills on time. Also, the additional information you provide as part of your application(s), such as income and monthly payments, will be important in determining whether you can get the best offer, or just a good one.


	Your credit score changes all the time based on your actions. Sign up for our credit monitoring service to track your progress and spot any problems before it's too late. You'll get monthly updates of your credit situation: • Credit score and factors affecting it • Tracking of changes over time • Specific personalized actions you can take to improve your credit score • Satisfaction guaranteed - 30 Day Trial

E-LOAN Disclaimer

The CreditXpert Credit Score™ is provided by CreditXpert Inc., a subsidiary of Neuristics LLC, which is not affiliated with E-LOAN. E-LOAN is not responsible for the contents of the CreditXpert Credit Score™. E-LOAN makes no representations or warranties that the CreditXpert Credit Score™ is identical to any consumer credit scores produced by any other company or that any particular score will qualify you for a loan through E-LOAN or another lender. If you apply through the E-LOAN site, a different credit scoring system will be used to evaluate your application and your score may differ from the CreditXpert Credit Score™. In addition, each lender -- including E-LOAN, and other lenders to whom your application may be submitted by E-LOAN -- has specific underwriting standards, so you should not assume that you will receive the same credit evaluation from each lender. As part of the underwriting process, lenders will incorporate additional information you provide and may obtain references. Even if you are approved, the terms and conditions of loans vary from lender to lender.

The CreditXpert Credit Score™ is provided solely as a convenience to help you better understand how lenders view your credit report and credit score. E-LOAN is not engaged in improving your credit record, credit history, or credit rating or providing advice or assistance to you in doing so, and is not a "credit repair organization" with the meaning of the federal Credit Repair Organizations Act. E-LOAN is not responsible for, and makes no representations and warranties regarding, the recommendations produced by the CreditXpert CreditWizard™. You should consult your financial advisor or a consumer credit counseling service for additional information about how to improve your credit rating and credit score.

To unsubscribe to the Credit Monitoring Service, please send your full name (first and last), login user name, and email address with a request to cancel to: creditscores@eloan.com. Please, DO NOT include your social security number in the email.

The CreditXpert Credit Score(tm) is provided to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans vary from lender to lender. The higher your credit score, the better. With a better credit score, you are more likely to be eligible for the best credit card and loan offers, including terms and conditions, such as interest, fees, benefits, etc.

The information used to determine your CreditXpert Credit Score(tm) comes from one of the major credit bureaus. Credit reports are a compilation of credit information that is reported to the bureaus by the various lending institutions with which you have accounts. The information contained in your report reflects the latest information provided. If you recently made a payment, opened a new account, or authorized an inquiry, it may not yet be reflected in the credit report you receive. Likewise, it will not be reflected in your CreditXpert Credit Score(tm) or CreditXpert Credit Analysis(tm). Also, disputed items are not incorporated in the assessment of your CreditXpert Credit Score(tm). Be aware that your credit score will change each time new information is captured in your record. In addition, the CreditXpert Credit Score(tm) you receive is only as accurate as the information it is based upon. CreditXpert Inc. is not responsible for misinformation (incorrect or missing information) provided by lenders, which might lead to a counter-intuitive or even incorrect analysis. Carefully review all the information in your credit report to make sure it is accurate and current. If you need advice about how to handle financial problems, seek help from a non-profit credit counseling organization such as Consumer Credit Counseling Services at (800) 577-CCCS.

The CreditXpert Credit Score(tm) is calculated based on many of the same criteria considered by the leading consumer credit scoring companies, producing in most cases a consumer credit score that duplicates or closely approximates the typical consumer credit score utilized by banks, mortgage lenders, and loan companies when determining creditworthiness. CreditXpert(tm) is not connected in any way with Fair, Isaac and Company; the CreditXpert Credit Score(tm) is not a Fair, Isaac FICO® score. Neither CreditXpert Inc. nor Neuristics LLC represent that the CreditXpert Credit Scores(tm) are identical in every respect to any consumer credit scores produced by any other company.

Copyright © 2001 CreditXpert Inc., a subsidiary of Neuristics LLC. All rights reserved. CreditXpert(tm) is a trademark of Neuristics LLC, used under license.