Check your credit history

Originally, a VeriSign digital certificate was required to access your report, but the company has since dropped that requirement, though you still can save $3 off the $8 check your credit history price if you have a VeriSign Class 2 certificate www.verisign.check your credit history com. We recently tested the QSpace system and found the procedure relatively simple and check your credit history straightforward. The report was easy to read online and printed out nicely. And at a cost of $5 ($8 without a VeriSign certificate) the report is a good value. It took about five minutes to enter all check your credit history the necessary data and receive the report. It would take a bit longer to answer a few additional questions if you don’t have a VeriSign check your credit history certificate. credit score report free We were surprised to hear from QSpace President, Ike Eze, that he hasn’t had much interest from banks wanting to distribute QSpace/Experian credit reports online. Though we haven’t done check your credit history due diligence on QSpace’s security procedures and service quality, Experian seems satisfied with the company’s user authentication and delivery methods. The first financial institution that offers credit reports online will create quite check your credit history a buzz in the marketplace. QSpace will share revenues with financial institution partners. credit score report free The service could be offered co-branded or completely private branded.

The company is especially interested in strategic partners that could help build the QSpace brand and/or deliver significant volume. This could be a good time to cut a favorable deal. The current $5/$8 price may not generate an abundance of fees to share. But the company has a subscription product check your credit history in development that is expected to be priced in the $50 range, competitive with Cendent’s PrivacyGuard (see table on check your credit history p. 10), marketed at $59.99 per check your credit history year after the three-month check your credit history $1-trial period. A hypothetical bank/CU with 50,000 unique Web visitors might bag 2,000 subscribers over a 12-month period. free goverment credit report

Assuming 20% revenue sharing from QSpace and a $50 annual subscription price, that amounts to only $20,000 in the check your credit history first year. But subscription-based businesses are all check your credit history about building a base over time. Assuming a 75% renewal rate and continued growth of 2,000 new subscribers each year, by the end of year five the service would be generating $60,000 in annual profits.