How Credit Score Savvy Are You?

[Test Your Credit IQ with Complete ID™]( [Think Costco First: Costco Services]( Test Your Credit IQ with Complete IDTM Did you know your credit score plays a key role in your overall financial health? Since lenders look at your credit score to determine your creditworthiness, it's important to know where your credit score and credit reports stand, and how credit monitoring can help minimize your risk of identity theft. - Are You Score Savvy? According to the 2017 Consumer Financial Literacy Survey, only 58% of adults surveyed checked their credit score in the last 12 months.1 Even if you're not shopping for credit or financing, it's always a good practice to keep tabs on your credit score. VantageScore 3.0® is commonly used by lenders to assess risk.3 Scores range from 300 to 850. Higher scores indicate a lower risk. - Are You Familiar With the Major Credit Bureaus? Although Experian®, Equifax® and TransUnion® generally collect the same data about your credit – including payment history, number of accounts and inquiries – checking all three reports regularly can help you spot and dispute inaccuracies and minimize your risk of identity theft. - How Much Does Payment History Factor in Your Score? If you answered 35%, you're correct. Your payment history is the largest factor in calculating your credit score, followed by the amounts you owe (30%) and length of credit history (15%). The final factors are credit mix and new credit, both 10%. What Can You Do to Monitor Your Credit? Offered exclusively to Costco members, Complete ID is a comprehensive identity theft and credit monitoring service that helps minimize your risk of identity theft. Premium benefits include: - Annual 3-Bureau Credit Report and 3-Bureau Credit Monitoring2 - Monthly VantageScore Credit Updates3 - Dedicated 24/7 identity restoration support - And so much more Plans start at just $8.99 per month per person for Executive Members.4 [Enroll Now]( 1Source: [nfcc.org]( 2Monitoring with Experian begins within 48 hours of enrollment in Complete ID. Monitoring with Equifax and TransUnion takes approximately 4 days to begin. You may cancel your membership in Complete ID any time online or by calling 1-855-591-0202. 3Vantage Scores are calculated on the VantageScore 3.0 model. Your VantageScore 3.0 indicates your credit risk level and is not used by all lenders; your lender may use a score that's different from your VantageScore 3.0. 4$8.99 per month per person for Executive Members or $13.99 per month per person for Gold Star and Business Members, plus sales tax where applicable. Services provided by Experian® Partner Solutions. [Think Costco First: Costco Services]( [Like us on Facebook]( [Follow us on Pinterest]( Share: [Forward to a friend]( [About Us]( [Membership]( [Location & Services]( [Privacy Policy]( [Unsubscribe]( Costco Wholesale, Customer Service | P.O. Box 34535 – Seattle, WA 98124-1535