Privacy Matters 1-2-3 Says Listen to the Credit Experts: Haste Makes Waste

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Privacy Matters 1-2-3 Urges Consumers to Pay Bills on Time; Credit Score Important.

Privacy Matters 1-2-3, a leading security and privacy membership program from Adaptive Marketing LLC, tells its members that paying close attention to credit scores and credit history has never been more important. In fact, Privacy Matters 1-2-3 urges members to listen to the credit experts -- your credit score can ultimately be the most important three-digit number in your life.

Fairly or unfairly, banks, landlords and lending institutions put a tremendous amount of weight on your credit score. Your "credit worthiness" -- which determines your ability to get a home mortgage, rent an apartment or town house or get some other large loan -- depends on that three-digit credit score. With today's average scores holding steady at about 670 (with 600 generally considered good and 700 or higher considered excellent), knowing where you stand credit-wise is important -- especially if you are poised to try to buy a home or secure a car loan.

Privacy Matters 1-2-3 reminds its members that a better credit score can depend on several different factors. The following are a few important thoughts to keep in mind when dealing with credit:

-- Set your watch by it. One thing is certain when it comes to credit matters: Being late on payments is a major "no-no." So when it comes to your bills, be organized, and pay attention to payment due dates. Being late or skipping a payment will definitely damage your credit score.

-- Do the math. There is an unwritten rule in the credit game, sometimes referred to as the 20/10 Rule. When it comes to credit card bills, for example, it's not smart to let credit debt exceed 20% of yearly income tax. On a more regular basis, try to ensure that you have less than 10% of your monthly income tied up in credit bills. It's simple math, yes … but financial problems might not be so simple if credit debts begin to mount.

-- Up the ante. Not only do credit companies like it when bills are paid on time, some may even reward you when they receive payments that exceed the minimum amount due. Paying more than the minimum may help keep down finance charges, and with finance charges approaching 20%, every little bit helps.

-- Speak now or forever hold your lease. A good credit score won't guarantee an outstandingly low home mortgage rate, but you DON'T want to consider the alternative. When it comes to home buying -- and any disputable credit issue, for that matter -- it's your legal right to argue credit negatives. Since you are what your credit says you are, check your credit report frequently, and make sure it's error-free. If you don't speak up on behalf of your credit, no one else will.

For these and other handy credit tips, finding help is as easy as Privacy Matters 1-2-3.

About Privacy Matters 1-2-3:
Privacy Matters 1-2-3 is a leading membership program offered by Adaptive Marketing LLC that offers consumers instant, online access to 3 in 1 credit reports and scores, daily Triple Bureau credit monitoring and more. Headquartered in Norwalk, Conn., Adaptive Marketing is a category leader in membership programs, bringing value direct to consumers through an array of benefits in healthcare, discounts, security, personal property and personals. Members may access their benefits at [ With broad online and offline distribution capabilities, Adaptive Marketing offers its corporate client partners effective tools to enhance market presence, strengthen customer affinity and generate additional value through programs such as Privacy Matters 1-2-3.


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