IDStrong.com

YOUR PRIVACY CHOICES

You may have certain rights regarding our processing of your personal information under applicable local law. If our processing of your personal information is governed by such laws, this page provides you with additional information regarding your rights to opt out of certain uses of your personal information under applicable local law.

Removal of my Personal Information Instructions

We understand that you may not want your information to appear on this website, so we offer a simple process for you to request that we remove that information.

To request the removal of your personal information, please use the form HERE.

Covered Person Removal Request - Daniel Anderl Judicial Security and Privacy Act and any relevant federal and state laws

Under The Daniel Anderl Judicial Security and Privacy Act and relevant federal and state laws, if you, as a Covered Person—including, inter alia, current, former, or retired judges, prosecutors, law enforcement members, and their immediate family members living in the same household want your details removed from our site, please contact us at privacy@idstrong.com. Include your complete name, residence, and email address, as well as your status as a covered person, when reaching out. Ensure your email's subject line reads: "Attention Covered Person Removal Request". Your information will solely be used to process your privacy request efficiently.

Exercising Your Data Subject Rights

Depending on where you live and subject to certain exceptions, you may have some or all of the following rights. Please note that the exercise of any of these rights will not result in any discriminatory treatment to you.

  • Right to Know. You have the right to ask if your personal information is being processed, and you can request access to this information.
  • Correction Request. If any personal information held about you is incorrect, you have the right to ask for it to be updated or corrected.
  • Deletion Request. You can request the deletion of your personal information. Additionally, you can ask that any third parties who have received your information also delete it.
  • Right to Data Portability. You have the right to request your personal information in a portable format, allowing you to transfer it to another entity easily and without any barriers.
  • Opt-Out of Sale of Personal Information. If your personal information is being sold to third parties, you have the option to opt out of these sales.
  • Appeals Request. Should a request you previously made be denied, you have the right to appeal this decision.

To process your request, we may need to ask you additional questions to confirm the information that is associated with you.

To submit a request to exercise your rights, please contact us using the form HERE.

Factors Affecting Your Credit Score
POSITIVE
You have few or no unpaid collection agency accounts

Some collection agencies report account information to credit bureaus just like lenders do. Your credit file has no or few accounts that have been sent to a collection agency and remain unpaid, which increases your score.

Tips
Satisfy all collection accounts and pay all other accounts on time each month. The impact that negative items such as collections accounts have on your credit score will diminish over time.

Few or no installment accounts with delinquent or derogatory payment status

An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. Paying your bills on time improves your score. You have paid all your installment loans on time or no more than 30 days late.

Tips
Keep paying bills on time every month since it is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time.

Balances on bankcard or revolving accounts not too high compared to limits

Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary based on the amount of your balance. Your balances on bankcard or revolving accounts are not too high compared to the credit limit amounts, which causes your score to improve.

Tips
Keep low balances on your accounts; this will benefit your score.

The date that you opened your oldest account is not too recent

Your oldest account was not opened too recently. As a result, your history of credit management is enough to demonstrate responsible behavior which has improved your score.

Tips
Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk. Your score will benefit as your accounts get older.

NEGATIVE
Total of all balances on bankcard or revolving accounts is too high

Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The total combined amount you owe on all of your bankcards and revolving accounts is high, a sign of increased risk. People who carry balances on multiple bankcards or other revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended.

Tips
Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30% or less of the total credit limit on that account.

The balances on your accounts are too high compared to loan amounts

The balances on your accounts are high compared to the original loan amounts, lowering your score.

Tips
Paying down the balances on your accounts will benefit your score.

You have too many inquiries on your credit report

If a lender runs a credit check when you apply for credit, an inquiry is reported to the credit bureaus. This can lower your score a small amount, typically by 10 to 20 points. The VantageScore credit score model takes rate shopping, e.g., for a mortgage or car loan, into consideration. All inquiries for mortgages, auto loans and major credit cards that appear in your credit file within a 14-day window are interpreted as a single inquiry. Another time inquiries never count against your score is when you check your own credit or obtain your own credit score.

Tips
Apply for credit only when you need it. If you are approved for credit, the small score drop from making an inquiry will disappear within a short time and the score will quickly benefit if you make on-time payments and manage your new account in a responsible fashion.

Your largest credit limit on open bankcard or revolving accounts is too low

Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended _ which are triggers for higher risk.

Tips
Use credit responsibly and always make payments on time with your existing accounts. After a period of successfully managing your accounts, you can seek increases to your credit limit.

Close
Close
Credit Score History
Close
Close