Awesome, thanks for dumbing it down for me.

I currently use Identityprotector because of a discount from my job. They do give me a detailed report every month, but as you said, its a the score is a FAKO score. Should I cancel or keep it just for the report?

Do FAKO scores tend to be lower?

Also, when you say "your lender" do you mean my CC issuer? I currently have Cap1.

Again thanks!