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What Is Experian Smart Money?
The Experian Smart Money Digital Checking Account and Debit Card is a feature available to Experian members. Created by credit experts, it leverages Experian Boost to give you credit for eligible bill payments after three months of consistent payments. Since payment history is crucial in calculating your FICO® Score, Experian Boost can help you improve your credit score.
What Are the Benefits of Experian Smart Money?
With numerous financial tools available, finding the most beneficial one can be challenging. Here are some advantages of Experian Smart Money:
- Raise your credit scores: Experian Smart Money connects to Experian Boost, which reviews your transactions for those that can be added to your credit history, potentially increasing your FICO® Score.
- Get paid up to two days early: You could receive your paycheck up to two days early and get a one-time $50 bonus after setting up direct deposit to your Experian Smart Money Digital Checking Account.
- Avoid monthly fees: Experian Smart Money charges no monthly fees, and there’s no minimum starting deposit or balance requirement. However, you’ll need to fund the account to get a physical card.
- Take advantage of helpful account features: The Experian Smart Money Digital Checking Account and Debit Card provide seamless access to your money, including instant access to a virtual debit card, an optional physical card, online bill pay, money transfers, and access to over 55,000 fee-free ATMs worldwide.
Is Experian Smart Money FDIC-Insured?
Yes, the money you deposit into your Experian Smart Money Digital Checking Account is insured by the Federal Deposit Insurance Corp. (FDIC) through Community Federal Savings Bank (CFSB), a member of FDIC. This means your deposits are insured up to $250,000 per depositor.
Who Can Benefit From Experian Smart Money?
Anyone over the age of 18 with an Experian membership residing in the 50 U.S. states and the District of Columbia can open an Experian Smart Money Digital Checking Account. With Experian Boost, you can get credit for paying eligible bills with your debit card, which can help increase your FICO® Score. This is particularly beneficial for those with little to no credit or those with poor to fair FICO® Scores.
To open an Experian Smart Money Digital Checking Account, you need an Experian membership, either free or paid. An Experian membership also provides access to your credit report and FICO® Score, credit report monitoring, identity theft monitoring, spending alerts, and more. These insights can make managing your finances more efficient.
Boost Your Financial Future
You work hard for your money, and you want your money to work hard for you. The Experian Smart Money Digital Checking Account and Debit Card make building your credit easier by automatically linking to Experian Boost.
For any mortgage service needs, call O1ne Mortgage at 213-732-3074. We are here to help you achieve your financial goals with the best mortgage solutions available.
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