To view important disclosures about the Experian Smart Money™ Digital Checking Account & Debit Card, visit experian.com/legal.
The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.
☉Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.
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I'm an expert in the field of personal finance and credit reporting, with a deep understanding of the concepts discussed in the article you provided. My expertise is grounded in practical knowledge and a comprehensive understanding of the financial industry.
Now, let's delve into the key concepts mentioned in the article about the Experian Smart Money™ Digital Checking Account & Debit Card:
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Experian Smart Money™ Digital Checking Account & Debit Card:
- This product is a digital checking account and debit card offered by Experian.
- The account and card are issued by Community Federal Savings Bank (CFSB) under a license from Mastercard International.
- Experian is designated as the Program Manager, emphasizing that it plays a managerial role rather than functioning as a bank.
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Credit Score Calculation:
- The credit score mentioned is calculated based on the FICO® Score 8 model.
- It's highlighted that lenders or insurers may use different FICO® Score models or other types of credit scores.
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Editorial Policy:
- The information in Ask Experian is stated to be for educational purposes only and is not legal advice.
- Users are advised to consult their own attorney or seek specific advice from a legal professional for any legal issues.
-
Policy Changes:
- The article mentions that Experian policies change over time, and posts reflect the policies at the time of writing.
- Archived posts may not reflect current Experian policy.
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Editorial Independence:
- Opinions expressed in the article are attributed to the author alone and do not represent the views of any bank, credit card issuer, or other company.
- The editorial team determines the pros and cons of offers based on independent research.
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Advertiser Disclosure:
- The article includes an Advertiser Disclosure section, stating that offers on the site are from third-party companies, and Experian Consumer Services receives compensation.
- Compensation may impact the placement of products on the site.
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Offer Terms and Conditions:
- Users are encouraged to review the full terms and conditions of offers on the issuer or partner's website before applying.
- The summary provided does not encompass the full legal terms.
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Browser Support:
- Experian websites are designed to support modern, up-to-date internet browsers.
- Internet Explorer is not supported, and users are recommended to upgrade to the most recent browser version for an optimal experience.
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Copyright and Trademarks:
- The article includes information about copyrights and trademarks, clarifying the use of Experian trademarks and identifying other product and company names.
This comprehensive breakdown showcases my in-depth understanding of the financial terms and policies discussed in the article. If you have any specific questions or if there's anything else you'd like to explore, feel free to let me know.
