- 1 Score Sense review: Instant 3 credit scores & reports
Score Sense review: Instant 3 credit scores & reports
If you’re in the market for a new loan, then you need to your credit score. And if your credit score is below 700, then you can save some serious cash by improving your credit score. At Cafe Credit, we offer guides that help you build and fix credit. But those guides won’t do any good if you don’t understand how to apply it to your credit situation.
For anyone struggling to translate credit advice into credit action, we recommend ScoreSense. It’s a three bureau credit scoring platform that can help you translate your credit report into higher credit scores. Here’s what you need to know about ScoreSense.
The ScoreSense Dashboard makes it easy to internalize credit lessons. You can see your credit score from all three credit bureaus. Is one score lower than the other two? You may need to dispute some erroneous data with that credit reporting agency.
The score sense dashboard also breaks down your personal credit report into the 5 score components. Are late payments or other negative items dragging down your credit score? If your credit utilization ratio is too high, paying down debt will help you improve your score.
Maybe you’re new to credit, so you don’t have many credit accounts and your accounts are still pretty young. Don’t worry about that! In time, you’ll have excellent credit.
So should you pay off debt? Open a new credit account? Request more credit from your existing credit card company or something else entirely? ScoreSense’s credit score simulator shows you the effect of each option.
You’ll see how much a credit inquiry will hurt your credit score, and you’ll see how much paying off debt helps. You can even see what happens to your credit score if you make 12 months of on time payments.
Credit Repair Companies can help you remove negative items from your credit report, but you have to manage your own credit behavior. ScoreSense gives you clear direction for how to manage your behavior.
ScoreSense charges a $1 refundable fee for its 7-Day Trial offer. After that, you’ll have to pay a $39.95 monthly membership fee. The monthly membership covers access to the website, Credit Alerts, 3 Bureau Credit Reports and templates for dispute letters.
Casual observers won’t get much value from the ScoreSense website, but if you’re serious about fixing your credit it can be worthwhile. Consider the 7-Day free trial. You might get all the information you need during the trial. If you still want access to the site, continue paying the fee for a few months.
Just be sure to cancel your membership once it no longer serves you. Only people who are actively using the site will benefit from it. If you have a more casual interest in your credit score, consider signing up for a free credit score monitoring service like Quizzle, Credit Sesame or Credit Karma (more sites listed at Cafe Credit homepage).
Signing up for ScoreSense just takes a few minutes. You’ll fill out your name, address, payment information and social security number.
To keep your information safe, you’ll also need to answer a few questions about your personal background. Questions range from where you lived, to your car model, to information about your mortgage payment.
Once they confirm your identity, you can enter the ScoreSense website.
As part of the Sign Up process, you agree to pay a $39.95 monthly subscription fee that you can cancel at any time. To cancel, just call 1-800-972-7204 and speak with a representative.
PARENTS dread the day when their beloved child is struck down with chickenpox. Here is a look at where you can buy a vaccine to protect your children.
A new chickenpox vaccine is being trialled in the UK
Two-year-old Jasper Allen spent five days in hospital after his severe chickenpox sores - which covered every inch of his body - became severely infected this summer.
His mother Sarah Allen is now calling on the Government to make a vaccination against the disease free for all on the NHS.
The vaccine is currently only available on the NHS to certain children on medical grounds.
The new version of an existing vaccine Varilrix is has been trialled at four UK centres, including a research facility in Southampton, this year.
Varilrix, also known as a varicella vaccine, was licensed in Britain in 2013 but it is not currently part of the NHS routine childhood vaccination programme.
Earlier this year Katrina Cathie, a principal investigator for the study at Southampton Children’s Hospital, said they want to find out if the new version is better than the current vaccine.
"We already know from previous studies that they are equally effective, but this study is looking at the temperature of the children after the vaccine to see if there is any increase in the rate of fever.”
Varilrix is excluded from the NHS childhood vaccination schedule despite being licensed in the UK and used in about 33 countries including Germany and the US.
The NHS only offers the vaccine to children and adults who are particularly vulnerable to complications of the illness, such as those with a weakened immune system.
It is also given to those in contact with people at risk, for example the brothers and sisters of a child with leukaemia or a child whose parent is undergoing chemotherapy.
The vaccine is estimated to offer 98% protection against chickenpox in children and 75% protection in adolescents and adults.
Chickenpox is a rite of passage for most children
Where can you get the chickenpox vaccine privately?
Parents who want their children to be vaccinated can privately get the jab for them at the age of 12 months and above.
The chickenpox vaccine is offered at private travel clinics such as CityDoc, where it costs £65 per dose for a two dose course.
Chickenpox is normally mild but can cause serious problems
Chickenpox is a disease caused by a virus known as varicella zoster.
Most children get chicken pox at some point and come out in a rash of red, itchy spots that turn into blisters.
The condition is usually mild and lasts for between five and 10 days, but it can cause serious problems such as pneumonia, swelling of the brain and skin infections.
Smallpox has been eradicated in its human form officially since 1979 - Despite this many countries continue to implicate required vaccination as way of precaution from the illness [Getty Images/Science Photo Libra]
Why is the chickenpox vaccine NOT given to all children on the NHS?
The UK's immunisation body has decided against universal vaccination of children due to the cost and fears that it could increase shingles among adults.
"There's a worry that introducing chickenpox vaccination for all children could increase the risk of chickenpox and shingles in older people," NHS Choices said.
"Whilst chickenpox during childhood is unpleasant, the vast majority of children recover quickly and easily. In adults, chickenpox is more severe and the risk of complications increases with age."