See how all your financial pieces fit together
Your journey toward financial clarity begins at My zendough, the navigational heart of zendough.com. Here you'll get a snapshot of your credit, personalized analysis of the size of your debt in proportion to your income, alerts about your credit and your ID Theft risk, account data, personal financial goals, and assessment of your ID theft risk - along with practical explanations of how it all affects your financial life.
My zendough displays a wealth of information about your finances in an easily scannable format. You can use My zendough as a portal to get more in-depth information about your credit, accounts, alerts, risk of ID theft and financial news.
The 3 top sections provide interactive tools that allow you to see the effects of changes to your VantageScore, ID Risk Score or Debt-to-Income ratio. It also features information in the following areas:
- Your VantageScore: See your credit health at a glance with VantageScore, the only scoring system developed through the collaboration of all three major credit bureaus.
- Your ID Risk score: Learn your level of risk for identity theft and what it means for your security.
- Your Debt-to-Income analysis: Get an analysis of your debt and how your recurring monthly debt expenses like mortgage, loan and car payments compare to your self-reported income.
- Your Alerts: zendough features Credit Alerts to keep you on top of critical changes to your credit and ID Risk Alerts that notify you when your identity might be at risk.
- Your Path: Chart a course toward achieving your financial objectives with financial goals and the tasks that will help you fulfill them.
- News: Get the latest news about finances, credit and identity theft protection.
In My Credit, you'll see your VantageScore and grade, a credit scoring model designed to help you understand and interpret your credit standing. All three major credit bureaus, TransUnion, Equifax and Experian use VantageScore to make credit scores more consistent.
VantageScore's letter grade helps you understand what your score means and a brief explanation shows you where you rank compared to other consumers and how that rank affects loans and rates.
You'll also get an explanation of The Six Principles that contribute to your VantageScore showing you the factors that determine your score and how the different components of your financial picture combine to shape the whole.
zendough empowers you to take a proactive course in defense of the security of your identity. In My Identity, you'll learn your risk level for identity theft and get recommendations to prevent it if your risk level score is high.
ID Risk Score
zendough uses the same technology leveraged by retail companies, healthcare providers and government agencies to protect customer accounts. zendough's ID Risk service searches billions of financial records that contain your personal identity details such as name, address and social security number, to check for suspicious patterns or questionable activity. All of this information is used to create a number representing your level of risk. Plus, you'll get an analysis of what it means for your security.
My Accounts shows you an overview of your credit and debt and where your accounts stand.
You'll get a personalized evaluation of the percentage of your income that is allocated toward paying off debt. Discover a helpful perspective on the significance of the debt load you're carrying.
Get Automatic Alerts from zendough whenever there are critical changes to your credit so you can easily keep track of events that might have an impact on your credit standing. Alerts inform you about new accounts, late payments, lender inquiries, public records and new addresses. Any of these could affect your credit standing.
ID Risk Alerts
zendough regularly reviews your risk for identity theft and lets you know about critical changes with ID Risk Alerts. This proactive identity protection helps let you know when your identity might be at risk and alerts you when your identity might be compromised so that you can take action.
Leverage zendough's wisdom to chart a course toward achieving your financial objectives. Select the financial goals you have yet to achieve and let zendough help guide you along the path to fulfill them, complete with tasks that serve as milestones along your way.
Keep on top of what's happening with finances, credit and identity theft protection. zendough brings you updates that can help you stay informed and on track to achieving your goals.