zendough Review: A holistic approach to credit

Bringing a sense of Zen to your life requires patience, balance—and good credit. At least that’s the idea behind newly launched zendough, an online financial service that seeks to bring a “holistic approach” to credit management to help consumers attain happy financial enlightenment. From affecting your approval for a loan to your mental stress over debt, credit is truly the foundation of your financial health and is definitely worth meditating on. Zendough re-imagines credit reports as the way to steer consumers towards better overall financial management.

After signing up for a free trial (zendough is otherwise $14.95 a month), the simple menu of My Zendough immediately brings me a little peace of mind. “The Six Principles” –payment history, credit balances, recent credit, utilization, depth of credit, available credit—that affect my credit score are simply organized and easy to follow in order to illuminate my credit report and credit history. With zendough, that’s just the start of your new financial path.

Other highlights of zendough include:

• Zendough calculates your Vantage credit score based off of credit reports from all three major credit bureaus. You can even view a side-by-side comparison of your credit report from each bureau to check for any inaccuracies that could be affecting your credit score. Zendough can also help you dispute any errors that you find with any bureau’s report right from the service.
• The summary of all your credit lines, including balances and payment of each account, also comes with a debt-to-income ratio calculator so you can graph the difference between your monthly income and how much you pay for your debts. Remember, you want to achieve a low debt-to-income ratio because it shows lenders your ability to repay debts.
• Worried about Identity Theft? Zendough has you covered with an assessment of your Identity Risk and Identity Restoration Services, which comes with a personalized zendough Case Manager to work with you, should the worst happen. Zendough members are covered up to $25,000 in case of identity theft.
• One of my favorite parts about zendough is the My Path feature, which helps you realize your long-term financial goals with the help of tips and resources to boost your credit preparedness. I can choose from aspirations like “Start a Family” or “Save For College”, and zendough gives me a to-do list and some encouraging tips to help me stay on My Path to a healthy credit future.

While zendough is a great way to plan for your financial future, it is only a guide and a way to provide you the opportunity to take more control of your credit. You are still your own credit master here, but zendough can be there as your spiritual and financial guide to reaching credit nirvana.