ARMORPOINT Announces the Latest Release of its Patent-Pending Credit GPA™ Technology

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ARMORPOINT, Inc. the leader and market innovator of Total Credit Management Solutions(SM), announced today that it has released its latest version of its Credit GPA™ technology.

ARMORPOINT, Inc. the leader and market innovator of Total Credit Management Solutions(SM), announced today that it has released its latest version of its Credit GPA™ technology. This technology was invented to help educate consumers on specific trade-line information and data contained within their credit reports. Research shows that the majority of consumers do not understand or comprehend how their credit scores are calculated. ARMORPOINT has developed a credit tool that is embedded in its credit management desktop software to help consumers understand the impact of certain facts and how that information affects their credit scores.

ARMORPOINT understands that consumer confusion derives from complex analytic scoring engines created by such companies as Fair Isaac®. ARMORPOINT invented its Credit GPA engine to simplify the overwhelming complexities of credit scores and help consumers grasp the basic information within their credit reports. Most consumers understand the general concept that their credit score is calculated based on 35% payment history, 30% debt ratios, 15% of active credit time, 10% type of credit (unsecured vs. secured) and 10% new credit and inquires. Unfortunately, based on ARMORPOINT research the general concepts of credit scores have very little impact on consumer behavior. Therefore, ARMORPOINT has developed its Credit GPA technology to illustrate the direct effects of consumer behavior and the overall impact it has on their credit scores.

The basis of ARMORPOINT’s Credit GPA technology comes from basic facts in the market place. According to a recent article by Motley Fool® (FICO Babble, December 6, 2005) a recent survey conducted by Capital One® (NYSE: COF) and Consumer Action™ reports that consumers are in the dark when it comes to their credit score and many have irrational ideas about credit, for example:

•50% of Americans think that age is a factor in determining their credit score.

•41% don't know that the way they have managed credit can affect whether they get a job offer.

•16% say that a credit score has no bearing on their credit cards' interest rates.

•50% think that income is used to derive a person's overall "Credit GPA."

Based on this survey, consumer credit scores are continuing to increase their significance and are extending into other aspects of our lives. ARMORPOINT’s Credit GPA technology helps consumers manage their credit information and credit scores in a simple fashion that does not require comprehension of complex scoring analytics. Now that ARMORPOINT’s Credit GPA technology is becoming validated by the industry, Armorpoint is positioned well for success in today’s market.

“We invented the Credit GPA for the purpose of educating consumers and relating their credit information to something simple that consumers already understand, said Sheldon Owen, CEO. Our Credit GPA technology provides consumers with letter grades on each trade-line to illustrate the impact on their credit score and we provide an overall Credit GPA grade related to their average credit score.”


ARMORPOINT is the leading provider of Integrated Total Credit Management products, offering 3-Bureau Credit Management Software, Credit GPA Technology, Credit Monitoring, 3-Bureau Credit Analysis, Identity Theft Detection, Identity Theft Protection and Personalized Education. ARMORPOINT’s patented approach uniquely simplifies the complexities of the 3 major credit reports and integrates them into an easy-to-use software application that enables total control and enhanced security protection. The Company provides best-in-class software and services that help consumers control their financial future and secure personal information from identity fraud. For more information please see

© 2005 ARMORPOINT, Inc. PO BOX 2017, San Marcos, CA 92079. All trademarks, trade names, service marks, and logos referenced herein belong to their respective companies.

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J S Owen
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