New V8 gives Jaguar XK, XF plenty more grunt

Big cats have to purr, so here’s Jaguar making sure its 2010 XK and XF do exactly that.
Under the hood is a new, direct-injection 5.0-liter V8 pumping 385 hp and 380 lb-ft of torque--both numbers substantially from the outgoing 4.2-liter V8.
Refinement is terrific and power delivery creamy smooth--it’s easily the equal of the German competition. The exhaust even pops and crackles evocatively on the over run.


Jaguar XF
Compared to the new, hard-core supercharged XKR and XFR, the naturally aspirated V8 cars ride more smoothly, despite being more focused than soft-riding Jags of old.
Jaguar just got more serious for enthusiasts.

Audi concept turns A3 into diesel racer

Audi sees potential for diesel-powered racing outside its high-profile R10 sports-car program.
The German automaker has prepped a new racing concept--the A3 TDI clubsport quattro--to debut at the Lake Wörther Tour in Austria at the end of this month.
The heart of the concept is a 2.0-liter turbodiesel four-cylinder that makes 224 horsepower and a stump-pulling 332 lb-ft of torque at 1750 rpm.
Audi says that the 3251-pound car will leap from 0 to 62 mph in 6.6 seconds, and reach a top speed of 149 mph.
Power is channeled through a six-speed manual transmission to the wheels via Audi's quattro all-wheel-drive system.


Pulling this racer to a stop are six-piston calipers at each wheel. The front brake discs are made of ceramic for less weight, while the rear discs are straight from the A3 parts bin.
The chassis is also fitted with shocks filled with magnetorheological fluid, which quickly change damping effort via an electric charge.
The shock package is part of Audi's dynamic driving system, which also changes throttle response, electric power steering effort and stability control threshold at the flick of switch.
Audi adorns the concept's exterior with large flares over the wheel arches and a rear wing adapted from the A4 race car that competes in the German Touring Car Masters (DTM) series.
The concept's interior takes its cues from the R8, including a flat-bottomed steering wheel and the navigation monitor and controls. Front passengers get deeply sculpted racing bucket seats, while the rear seats are also shaped bucket style. Instrument panel buttons are replaced with toggle switches for the complete racer feel.

Debt Consolidation is a Fresh Start

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You want to get out of that drowning debt situation because of heavy payments every month? Maybe try debt consolidation for a much more convenient debt repayment at possibly lower interest. Consolidation loans offer a fresh start by allowing you to take advantage of consolidating all of your debts into one. This is form of repayment that gives you one payment which is very conveniently manageable. In most cases too, a lower rate of interest can be negotiated.Especially with the collateral like your home, better interest rates can be obtained resulting in lower debt consolidation loans. Debt consolidation loans come along with credit counseling and can convert your multitude of bills to just one, low cost, monthly payment.Loan rates with debt consolidation programs are still dependent on the status of your monthly payments It likewise depends on the terms agreed upon and the total loan amount and term.Unsecured forms of debt consolidation loan, with the case where no collateral is provided, will most likely not be given lower rates for interests. These types of debt consolidation mean higher degree of risk with the lender. Your lender will also try to compensate his risks with higher interest rates. Good credit, on the other hand, is with a little advantage. Debt consolidation loans are offered at best rates where you most likely will find just what you want. Nevertheless, try to explore more ways aside from debt consolidation if interest rates are quite higher than expected. Seek the advice of your financial consultant or planner with starting this type of program. Let a financial expert calculate the overall loan term before finally deciding if it is a great option to consider. Here a great catch with debt consolidation. It actually can work favorably with you as it can boost your credit situation. If you are pursuing for debt consolidation deals, you would be preferred positively because of your purpose to pay off your debts.After enrolling all your credit card debts into one consolidated loan, always maintain to make your repayments on time. This will for sure work in your favor and will improve your credit.After some time of prompt repayment, it will generate a positive impact on your credit account. This in return will make more space for better options in your finances later. Without a doubt, debt consolidation is a sound idea but it will test your discipline for it to work with your finances.

Focus on Paying, Leave the Rest

A lot of financial experts will agree that credit cards have a center stage issue of most homes in America and the rest of the world. With today's credit crunch, getting another credit for a mortgage is just problematic. Getting rid of that debt is much tighter.But there still is a hope worth considering. It is the Consolidation Loans. Is it worth doing? Or is it another trick to catch us with getting further in debt? Debt consolidation is even already popularly introduced. It is pushed as the manner of merging all the debt into one simple payment for more convenience and a simple way of telling creditors that we have a plan finally to pay down that balance you are bugging us to pay with. There are actually a lot of satisfied customers who studied their home works with this system of consolidating loans. They discovered advantages when enrolling in a debt consolidation plan.These common advantages with using debt consolidation as an instrument to get out of debt offers a simplified payment scheme where you concentrate all your attempt to pay your debt. In a way, it gives you a system to get rid with all those tracking with many credit card accounts. By allowing you one simple payment, you pay the same amount every time and this leads you without excuses not to pay it on time or monitor it monthly. This scheme also gives more value to your every payment because debt consolidation agencies can negotiate to reduce interest quickly and in best terms. People are unaware when it comes to financial numbers or plainly looking at their massive debt, this debt consolidation arrangement is a great way to allow you to automate remittance and forget it as if you have no debt. You have to check it out though too. Checking the results, like in a workout, makes you motivated. Debt consolidation is a tool with certain problems too. But since it keeps things simplified along with your cost-cutting, it is a fresh way to start a fool proof system. Now, you will focus on the paying and leave the rest.For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today.

Credit Card Debt Relief

Credit card debt is prevalent in the United States of America. On average, every American has about $2,000 in credit card debt. Repeated offers for new credit cards can soon get you deep in credit card debt if you are not careful with your spending.Credit cards are very useful in emergency situations, so it is good to have at least one. Put it away where you will not be tempted to use it for everyday purchases. Cut up excess credit cards so that you are not using them and going deeper into debt. It is important to control your spending so that you do not end up in financial trouble.The credit rating companies will lower your credit score if you have a large amount of credit card debt, even if you have never missed a payment or been a single day late on any credit card payment. Even though that does not seem fair, the credit card companies do penalize you and there is nothing that you can do about it, except avoid having credit card debt. Another factor that will cause your credit score to suffer is the amount of credit accounts that you have open. With all of the offers to open a new credit card and save money on a purchase, or get a lower interest rate, it is very tempting to open a new charge account when one is offered. What you do not realize until much later is that the more credit cards that you have, the lower your credit rating is. If your credit card debt seems unmanageable, hire an online debt management company. These companies can ease your debt-related headaches and give you respite from the torturous phone calls of the creditors. After discussing your situation with your creditors, they arrange a monthly payment that you can afford for all of your credit cards. You will make one payment to the debt consolidation company and they will pay your creditors the required amounts. You can also receive debt counseling for your credit card debt. The counselors can help you make a budget. The debt reduction company will help you take care of your debt and they will teach you ways to reduce your debt. Also, they can ask your creditors to reduce your line of credit. You should try to limit your monthly expenses to the essentials, saving money wherever possible. Debt consolidation may also be offered by the debt consolidation company. They can discuss your financial situation with your creditors and work out a plan for lower interest rates so that you can pay off the credit card balance much sooner.Debt settlement is also available from the debt consolidation company to help you with your credit card debt. With debt settlement your accounts are settled for less than the current balance. You make one payment to the debt consolidation company each month until the account is paid in full for the settled amount. This will allow you to be free of your debt burden in less time than with debt consolidation. There are benefits to each type of debt consolidation program. Your debt counselor can help you determine the method that will be the most beneficial for you. It is imperative that you receive the best advice and have all of your questions answered as you work to eradicate your credit debt.It is possible to get your credit card debt under control. Learn to limit your spending and avoid impulse buying. As your debt decreases, you will find yourself free from the credit card weight you have been carrying.

Auto-Trading Software Takes Out The Stress Of Trading Forex

If your idea of painful foreign exchange trading, or Forex, includes mastering international rules and regulations and an ever-changing need for technological savvy then your prayers have been answered.The new Forex automated trading system comes equipped with continual, automated trading that requires little or no human input.It used to be that Forex meant long, tedious hours of self-education, manual trading and the burden of excessive stock market information. With Forex automated trading those days are long gone.Medical health problems pose another significant reason for purchasing and using automated Forex trading software. Backaches and eye strain have long been two physical consequences associated with continual computer monitoring and telephone trading.A minimal investment in terms of finance and effort is all it takes to enter the world of automated Forex trading. There are no hidden costs or fees. A Forex automated trading system pulls no punches. Rather it pulls down profitable deals and closes contracts effortlessly.However, a word of warning is in order. There are inferior Forex automated trading software systems on the market that will not fulfill a trader's needs and that may have several programming flaws. It is wise to conduct a thorough online investigation into automated trading before making a purchase. A company with a solid reputation and a wide range of products and services is usually a safe bet. Like your trading, your Forex software should carry a minimal risk!There are automated Forex trading systems with superior algorithms that virtually ensure profits and minimize losses. If possible, deal with a company that provides a money-back guarantee upon purchase.If you are a small-time trader and you might think that this Forex automated trading software is not for you but for the professional traders. Well, that is a myth. In fact with the automated system the trading skills are now not essential simply because the sophisticated piece of software uses all the experiences and mathematical models to do the monitoring and execution of the trades like the professional. The option to occasionally monitor your investments and trades rather than to manually conduct same is highly practical for novice traders.

8 Important Forex Trading Tacics that You Should Follow

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With highly volatile and declining stock markets around the world there has been a resurgence of interest in forex trading. Novice forex traders soon learn that in order to trade at a profit at least a few basic forex trading tactics must be observed.Here are 8 important forex trading tactics that if followed can assist a trader to become more successful.1.) Never trade with money that you can not afford to lose. The forex markets can at time change levels at blinding speed. If you are on the wrong side of such a move and do not have proper stop loss orders in place you may lose all of your funds before you have the opportunity to react.2.) Do not over trade. Many forex traders are in and out of the market far too often. Trading at a profit usually depends upon a good entry point. Be patient until a low risk entry point presents itself.3.) Think for yourself. Do not accept everything you read or hear about trading forex as the truth. For example, one often hears in trading circles that to make a big profit you have to take a big risk. Not true. Big profits are usually made when you take a high percentage low risk trade, such as going long as markets run stops just below long term support areas and selling out or going short as markets run stops just above long term resistance areas.4.) Do not think that you are so smart that you can beat the market by frequent day trading. While there will be times when day trading will offer quick profits the profits are usually fairly small and over time will probably be more than offset by undisciplined trades. A few trades may start out as day trades but when at the end of your endurance for the day you have a loss and the trade is held over a small loss may well grow into a major loss. Successful day trading takes a lot of discipline. If you do not have the discipline to quickly cut off losing trades do not attempt to day trade.5.) Do not try to trade more than one or two currencies at a time. This is a common mistake made by newbies. Unless you are a real pro you will find it difficult to manage multiple forex positions.6.) Do not bet the farm on any one trade. If one big trade turns against you that might mean you will be knocked out of the game. No one trades forex over any significant time period without incurring losing trades. If your positions are too large, using too much leverage, you may experience the misfortune of having a series of just a few losing trades that completely deplete your capital.7.) Do not scale up your trading activity and position size too fast. Some traders think that after even a few winning trades they have found the secret to fame and great fortune. They then drastically scale up their trading position size and go for ever larger profits. While there is nothing wrong in scaling up position size as a forex account grows it should be done very slowly and carefully. Racing forward and scaling up based on only a few winning trades is usually a mistake. One loss on a big position can do you in.8.) While using stops is recommended you can not place them at obvious places. If you do place stops at obvious price levels chances are high that other novice traders are doing the same thing. As stops accumulate at obvious levels do not be surprised if professional traders push the market into the stops. After the run on the stops (you have been stopped out) the market will often quickly rebound and the traders who stopped you out (by buying what you have sold) will sell out for a short term profit. That kaching sound is your money going into their pockets.Trading forex is an interesting game, often exciting, and can be highly profitable. However, you should be aware that if your forex trading tactics are defective there are traders who will be pleased to take your money as long as you keep putting it at risk.

FAP Turbo Forex Trading Robot - Finally Something That Works!

FAP Turbo, for the Metetrader4 platform can trade as an autopilot Robot, on your behalf working as an expert adviser. This is an improvement of the most profitable Forex Autopilot on the market. Task was achieved by 3 IT programmers.Its the only currency trading robot that shows ongoing trade result from not just one, but two trading accounts, and updating them as well, every 15 minutes.Here are some of the many reasons why FAP Turbo has taken the Currency Trading market by storm:It's a true set it and forget it system.The only thing you need to do is set it up and let it run on autopilot. Don't want to run it on your own computer? You can even host it on remote server, so you don't have to keep your computer turned on, all the time.Unlike other Forex software, where the test runs are performed on demo accounts, FAP Turbo was tested on real live trading accounts. It comes with excellent video tutorials and install is just a snap.This is a hard working robot, analyzing the market trends for you 24 hrs a day, 5 days a week.No trading experience is needed. You just follow simple instructions to setup the system.They offer excellent customer service. Their team responds very quickly to any question. It finds more profitable currency trades than any other software out there. Combined with tighter risk controls, FAP Turbo, far outshines the rest or may even make them bite the dust.This product comes with a 60-day money back guarantee. You can try the software by testing on a demo account for a month and return it if you don't like the results.This robot requires a very small investment, you can trade with as little as $50.

Transitioning From Part-Time to Full-Time Daytrading: Ensuring Sufficient Income

One of the toughest times of my life - that threatened my own psychological wellbeing as well as the potential safety and security of my family - was in early 2004, when I first made the leap from part-time to full-time trading.I had the required knowledge. I had the required skills. I was a great technical analyst. And I had some demonstrated success in the markets.But I was lacking in other areas. I was grossly undercapitalized. And despite my appearance as being someone with a positive and confident attitude, inside I was consumed with doubt and fear. Of course, I was unable to admit to either at the time.Well, there's nothing I know of that's more effective for bringing all your fears out into the light, than quitting your full-time job to pursue a full-time career in market speculation.With no other form of income available to support my family, it was all up to me to continue to generate the market returns that I 'knew' I was capable of achieving. Of course, almost instantly, my results failed to meet my expectations.Thankfully, I still had the discipline to respect my stops, ensuring I did not have to face a single catastrophic loss. Although in some respects a single catastrophic loss could be seen as a blessing - at least it gets it over with quickly. Instead I spent the next few frustrating months grinding my way into a soul-destroying drawdown.My mindset was a mess. I doubted my analysis, hesitating at entry until I got in way too late, or missed the trade entirely. And it seemed as if the only trades I did enter without hesitation were those entered out of frustration from missing the previous trade, rather than from good analysis. Typically, those trades do not provide the greatest edge.I would take profits quickly; fearful that the market would snatch them back from me.And I even ventured to depths I never thought I'd go - asking a broker for some trades. In his defense, his analysis may have been great. I just wasn't in the right mindset to be profiting from any recommendations, no matter how great the trader or analyst.Basically, fear of not being able to provide for my family led to doubt and indecision, which rendered me incapable of applying my trading plan in a consistent and disciplined manner, leading to realization of the very fear that it sought to avoid.Fortunately, I was able to recognize the problem before the damage to our finances and my marital status was irreversible. Although I must admit, I took both right to the edge.So, I took some time out to rethink my plans. I returned (with tail between my legs) to full-time work. And I set about preparing for my next assault on full-time trading.I am forever indebted to my wife for her patience and her support in helping me see the reality of the situation. (Guys, just because we are hardwired to perceive it as nagging, it doesn't mean it's not the truth. :-) Just don't tell her I said that, ok!)So anyway, what's the point of all this?Well, I did things differently the second time around, and I suspect that my thoughts on making the successful transition could be of benefit to others. I get quite a few emails from traders who are thinking of making the same transition - from part-time trading alongside a full-time job, to full-time trading. Typically they're after my thoughts about how capitalized they need to be, or about what levels of returns are realistic on a full-time basis. Of course, I'm not able to provide a useful answer. We all have different standards of living and therefore different income requirements. A decent budget will tell you what your income requirements are. And your part-time trading results will tell you whether you're able to achieve this level of income, given your current level of capitalization and your current percentage returns. Working out whether or not you have the ability to cover all expenses is really that simple.However, and it's a big however, part-time trading success does not mean you're ready psychologically for the transition to full-time.So, given my experiences and my desire for you to avoid some of the same pain, here's how I set myself up for my second (and so far successful) transition to full-time trading:I first established other forms of part-time or passive income which were sufficient to cover all living expenses.I hope you'll consider this idea for yourself. As always, it's not advice as I don't know you or your circumstances - it's just what I did and what I believe all serious traders should consider (blah, blah, blah, standard financial disclaimers).Don't be too quick to rule this out. Don't listen to that voice in the back of your head that says this isn't possible for you, or it'll take too long. The fact is that if you take the time to do this first, it eases the pressure significantly.I can trade now without any requirement for profit. I could enter a drawdown that lasts the next two years and it just wouldn't matter (apart from the frustration). Food will still be placed on our dinner table. Any trading profits I get are a bonus - we don't need them to survive. This is a powerful place to be.I trade with my mind at ease.So how do you achieve this?(1) First, be sure you really want to go full-time. Full-time trading is a tough way to make a living. Sure, it's easier when you have alternate sources of income to support you through the 'drawdown periods', however for most of us life will not be like the trading course infomercials'. I really hope you can make a living trading from your laptop while sipping a Pina-Colada on the beaches of the Caribbean. More likely though, you'll be isolated in your home trading office for eight or so hours a day, staring at a screen. And if you take my recommendation for alternate sources of income in addition to trading, your 'free time' will be spent trying to manage some form of business or part-time job. It's not easy.Many people may find that their personal and family circumstances are better suited to part-time daytrading, or perhaps a longer timeframe. Can you manage to trade the first two hours of the emini session? That may be sufficient for your style of trading. Can you trade the first two hours of the UK forex session? Or could you perhaps be happy with trading an end of day strategy using daily charts? These shortened trading sessions, along with some time for study or analysis in the evening, may be all you need to make a very profitable and enjoyable part-time trading business.(2) Second, confirm that you really do have a proven track record that warrants going full-time. If you're implementing alternate forms of income, then your trading results don't need to completely cover your budget requirements, however given that this is likely your longer term goal it may be wise to ensure you've achieved that standard of return now. In any case, you need to have demonstrated consistent returns over a significant period of time.(3) Now, let's find alternate sources of income.The ideal would be some form of passive income. It'd be great if we all had a bunch of rental properties and could live off the rental returns, but I assume most of us aren't in that fortunate situation. Congratulations if you are. For the rest of us though, the most obvious source of part-time income is through a part-time or casual job or business, within your current field of expertise.Are there opportunities to work for your current organization on a part-time or casual basis outside of market hours, or perhaps from home? If you can work part-time, but only during market hours, find another market that operates after-hours. It's a global economy - there's a market open somewhere.Or once again, have you considered just trading the morning session, or afternoon session. A full-time trader doesn't have to spend 8 hours a day in front of the screen. Are you able to find part-time employment around these shortened sessions?If your current employer provides no options, look further afield to other employers within the same industry.Even better, do you have sufficient experience to start a consultancy business in your current field? You don't have to be recognized as an expert. You just need some skills that can be marketed to the industry, with sufficient demand available that this can be operated part-time around your trading and provide sufficient income to survive. Seriously, think about it - there are lots of options available.Or look to other areas entirely...Is your spouse able to (and willing to) make a job or career change that will potentially provide greater income?Are you able to teach anything at all? A musical instrument? Dance? Take up coaching or refereeing in a sport? Why not start tutoring local kids in basic math, science or whatever else excites you? There is no shortage of small, home based businesses that can be operated at minimal cost around your trading timeframe requirements.I know this is not the idea that most of you have of 'full-time' trading, but it doesn't need to always be this way. I plan to always have alternate forms of income, but you might like to phase it out over time so that you really are solely a full-time trader. Consider this a transition phase only.I also know it's tough to be working full-time in your trading, and also running a business or working elsewhere part-time. But if you want this bad enough, you'll find a way. I've done it despite a young family. How badly do you want it?Work out your budget. And find sufficient income to cover it, such that it allows you to trade during market hours.This process may take a while to put into place, but I believe its well worth the effort. You might be able to handle the psychological challenges of moving straight to full-time trading. Certainly, some traders have done it. But many have failed as well. If the downside risk of failing at your full-time trading venture is too great to accept, then take whatever time is necessary to mitigate that risk. Find alternate sources of income, which can support you while still allowing you to trade full-time.

The Mis-Selling of Payment Protection Insurance

According to watchdog, in the last two years complaints about personal protection insurance sold with loans, credit cards and mortgages have increased tenfold.500 complaints a week are received by The Financial Ombudsman about the insurance, which works out at around 25 percent of those who have it.Watchdog has written to the Financial Services Authority (FSA) asking it to bring the banking and finance industry into line.Borrowers are been overcharged by a staggering 1.4 billion pounds a year through these protection insurances, according to an official study.Millions of people have been mis-informed about PPI's and have been conned into buying them. They have been lied to by salesmen, some have even told customers that unless they buy the insurance they will not qualify for the loan, card etc. that they want.There are more than 14 million PPI polices in existence alongside loans, mortgages, credit cards, store cards and car finance.PPI is supposed to help if the borrower suffers a sudden loss of income through unemployment or sickness.There are many examples though of where PPI has been sold to people who do not even qualify for cover, such as the sick, pensioners and the self employed.What is unusual about the complaints to the ombudsman is that they are about the way they have been sold, rather than people not being able to claim. The biggest complaint being that people did not realise that they were taking out PPI and the cost of the policy was not explained to them.PPI can add thousands to the cost of the loan.In the majority of cases borrowers are charged a one off premium which is added to the cost of the loan and attracts huge amounts of interest.Some companies have increased premiums resulting in policies that are often more expensive than deals available from a specialist company.The commission may possibly put a cap on PPI charges and stop the banks selling the policies alongside other products.Consumer group Which? condemned the PPI sold with credit cards as worthless. It said few people are able to make successful claims.Personal finance campaigner at Which? , Doug Taylor, said: 'Credit card PPI is a modern day snake oil - it's a useless product, expensive and poorly designed.'As the credit crunch continues to take hold, people want to be protected and have peace of mind, but credit card PPI, like a house of cards, won't give you the support you need.'A number of well known firms have been fined by the FSA for mis-selling PPI.The HFC Bank, was fined 1.085 million pounds, Capital One bank, was fined 175,000 pounds, and GE Capital Bank, was fined 610,000 pounds.The FSA said: "The FSA is reviewing the position in the light of the information it has received from the ombudsman service, and the information provided by its own ongoing thematic work on PPI.'It will make a decision on possible measures to take on the basis of this review in due course.'

Regular Credit Checks And Identity Theft Insurance

Credit experts suggest that everyone should get a credit check at least once a year to ensure that information in your current report is accurate and to see what lenders see in making their decision about your credit worthiness. A credit check gives you key statistics on your complete borrowing history including your credit lines, missed payments, debts and outstanding loans. Your credit characteristics are consolidated into a score, which is used by lenders to determine your credit worthiness and interest rates. What’s in your credit report?Your credit report contains all of your credit accounts including the length of credit history, breakdown of debt type (mortgage, student loan, credit card), credit lines, account balances, and whether you’ve paid each loan as agreed.What is your credit score?Your credit score is a number that incorporates all information on your credit report and reflects your credit risk level to lenders. For the two most common scores, FICO and VantageScore, lower scores indicate a higher credit risk. FICO recently made changes to the way it calculates scores, called FICO version 2, with one notable change being that a single delinquency wouldn’t have as drastic of a negative impact on your score. VantageScore is a new scoring method that is shared across all three major credit bureaus.How lenders use your credit scoreLenders use your credit score, sometimes along with other factors including your income and value of your assets, to determine your credit worthiness. The base level assumption is your previous behavior is predictive of your future behavior in terms of maintaining and paying off debt on time. Thus the credit score will be one of the key factors that determine whether lenders will give you a loan, and at what interest rate. Lenders will charge high-risk consumers a higher interest rate to compensate them for taking on extra risk. Using your credit report to find errors and identity theftUnfortunately, sometimes credit reports contain errors. Errors can be costly if they impact your credit score! If a lender charges a 7% interest rate instead of 6% because of an error in your report, it will cost you over $70,000 extra over the life of a $300,000 30 year loan. Credit reports can also quickly highlight identity theft or fraud—for example if you notice accounts in your name that you didn’t open.Credit Reporting ServicesThere are a number of credit services to help you proactively manage your credit profile. You can get a free credit report once a year or if you apply for and are declined for credit. Typically, free reports don’t include your actual credit score—just your full report. High-level, there are two types of credit reporting services: the first monitors your credit profiles and proactively identifies you if there is any type of negative change. This can help you prevent identity theft and monitor how lenders see your profile. These services will often include identity theft insurance to help you get back on your feet if you are a victim of identity theft. The second type of service also gives you your FICO score or VantageScore and monitors it each month. This service can alert you if your score drops and tell you what impact it might have in lenders’ eyes.