Jean's Blog

JeanChatzky Score Builder

Posted by Jean

Whether you like it or not, credit scores are important. They come into play when you want to finance a car, take out a mortgage, or get a credit card. Many landlords will check your credit score before renting you an apartment, and, believe it or not, more and more employers are running checks as part of the hiring process. They want to see how responsible and organized you are, and your credit score is one reflection of that.

Unfortunately, the recession has hit credit scores pretty hard. Scores that were great a few years ago are now just good, and those that used to be acceptable are now not good at all. You need a higher score than ever before if you want to get the best interest rates. That’s why I decided to launch the JeanChatzky Score Builder, which will help you earn a better credit score in only 120 days.

Developed in conjunction with my friends at SmartCredit.com, this application will help you make sense of credit scores. Together, we’ll go through the positives and negatives that are affecting your score, then I’ll show you how to clean up the negatives one by one. By pushing a single button, you’ll be able contact your creditors directly through the program and ask that a negative be removed, updated or paid off. All the while, Score Builder will keep track of creditors’ responses – and your credit score’s improvement.

I invite you to check out the Score Builder application by signing up for a five-day free trial of SmartCredit.com. If you like the service, a basic membership is only $19.95 a month. And if you’re already a member of SmartCredit.com? Score Builder is included in that membership, free of charge.