The secret to getting a good credit score...

is not a secret at all - at least not anymore.

You've downloaded your credit reports. You struggled through the codes and the gibberish to make some sense of it. You paid about $16.00 each to get your FICO score for Experian, TransUnion or Equifax. Maybe all three.

Now, it's like you have all the parts to your car's automatic transmission laid out on the table. You know what they belong to but there's no way you can put them all together to actually do anything useful with them. See this FICO Score chart to see what is considered a good FICO credit score.

Suze Orman's FICO Kit Platinum from Fair Isaac Corporation changes all that. The Suze Orman FICO kit is the best tool available to get an explanation why your FICO score is good/bad. New and exciting features show you exactly what you can do to improve your credit score - and it is also the best value - here's why. Three FICO scores cost you $47.85 with the FICO Credit Complete package at myfico.com. You get a few of the same tools you get with the Orman Kit, but here's the kicker - you can only use them for 30 days. Everything is online so after 30 days your FICO scores and the tools go away.

Suze Orman's FICO Kit Platinum is active for one full year - and it has more useful features! It costs $49.95. That is a very good deal. You get three credit reports and three FICO credit scores from Experian, TransUnion and Equifax (a $47.85 value), plus all the tools that you can really use to improve your credit score. Order now from this link - Suze Orman's FICO® Kit Platinum

What's So Great About Suze Orman's FICO Kit Platinum?

Everybody has heard of FICO scores but not many know what a "good" FICO score is, or where their own FICO score stands on the credit rating food chain.  The Orman FICO score tool lets you see all that information at a glance. You also get an explanation of why your FICO credit score is good or bad. If your credit score is in the yellow (or worse) you know what areas of your credit profile you have to improve to improve your credit score.

You have heard that maxing out your credit cards hurts your credit score, and that paying your cards and loans on time helps your credit score. The FICO Simulator shows how much your maxed out credit cards actually hurt your credit score and how much paying everything on time actually helps your credit score. Your credit score changes every time a new entry is made on your credit report - good and bad. The FICO simulator makes the relationship between actually doing things - like adding a credit card or paying off a debt - and the affect that has on your credit score very real.

If you or somebody you care for is buying a car the Car Coaching tool is HUGE. Stay with me. Car dealers don't make their money selling cars - car dealers make their money selling the financing contracts of the people who buy their cars. The higher the interest rate on a financing contract, the more cash they can get for it. When the salesman leaves the room to "talk" to the manager - how much cash they can get from selling your financing contract is what they're discussing. This tool tells you, state by state, what a fair interest rate is for your credit score. This is the most valuable car buying information you can have.

The Debt Eliminator tool automatically takes the information about all your current debts off your credit report, and prepares a plan with how much you should pay on each account to (1) raise your FICO score the fastest, and (2) pay off everything and become debt free the fastest. You can change the inputs to create your own plan and immediately see the affect on your FICO score and the speed of your debt elimination. The Debt Eliminator tool also tells you if you are paying a fair interest rate for each debt. With this information you can call your creditors and negotiate for the rate you should be paying.

There's more...

The Action Planner tool automatically takes your financial information from your credit report and then, based on the information in your credit report and your FICO score, walks you through an easy, step-by-step process to help you plan how you can reach your financial goals starting from your current situation. Take it from somebody who has worked in the financial service industry. You would pay a lot for this kind of coaching - and what you got would not be as good because very few financial planners could tailor a specific plan around changes in your FICO credit score. Because the Action Planner is from the people who created FICO scores it can do it easily - and accurately.

There's still more...

• a Mortgage Coaching tool, which like the Car Coaching tool tells you what interest rates you will qualify for in every region of the country.
• a Bill Paying Reminder tool that will send you an email in time to get your bill ready and mailed so you do not go late on anything (VERY important for getting and keeping a high FICO credit score).
• an Error Detection Tool that highlights possible errors on your credit report. NOTE: while it's good to have Fair Isaac highlight potential errors on your credit report you do NOT want to use the online mechanism for resolving any errors on your credit report. The reasons are too complicated to go into here. You can learn more about credit score repair here.
• the Info Vault that stores your valuable information online and lets you access it from anywhere. NOTE: I love the Suze Orman FICO kit but I would not put anything online that was not already contained in my credit report.

Active for one year after purchase. Accessible from either PC or MAC with an internet connection and with Internet Explorer 6.0 or later, Firefox 1.5 or later, or Safari 2.0 or later. Online product - no CD-ROM included.