IYD, Inc. - Continuing Education, Debt Help, Continuing Education Online, Credit Counseling

IYD Store

ADE^® Program

Coaching Programs

Cont. Ed. Partners

Ezine Signup

Refund Policy

Privacy Notice

Affiliate Program

Career Opportunity

Help: 888.913.8786

Debt Elimination

Visit our IYD store for excellent products to help you eliminate credit card debt in 1-3 years and pay off your 30-year mortgage in another 4-5 years.

Your FICO® score

Credit plays a critical part in nearly everyone's life, but understanding what credit is and how it works can be a challenge. A great way to understand the role credit plays in your life – and to empower yourself as a consumer – is with a basic knowledge of two credit fundamentals: Credit Scores and Credit Reports.

Credit Score

Your credit score is a number based on the information in your credit file that shows how likely you are to pay a loan back on time – the higher your score, the less risk you represent. The credit score that lenders use is called a FICO® score. Your FICO® score helps a lender determine whether you qualify for a loan and what interest rate you'll pay.

Credit Report

Your credit report shows the information you have on file at one or all of the three major credit reporting agencies - Equifax, Experian and TransUnion. Each of these reporting agencies (also known as credit bureaus) maintain their information separately, so the data you have on file may differ between them.

To get a free estimate of your official FICO® score, more detailed credit education or to learn how you can improve your FICO® score, click below.

Free FICO® Credit Score Estimator

Enhance Your Business
IYD offers training and tools to create an additional income stream perfect for certified financial planners, realtors, CPAs, lawyers, mortgage brokers or any other practice with a built-in client base.

Join us on our Mission:

If you would like to share this life changing information with others, visit our Career Opportunities page.