Credit.com offers both free and paid services that give users information about their credit health by providing them with a credit report card and score.

Rank Chart
Price
Reports Available
Our Score
#1
$9.95 - 19.95
3/3
7.9
#2
$29.99 - 49.99
3/3
7.6
#3
$19.95
3/3
7.4
#5
credit.com thumbnail
$21.95 - 39.95
3/3
7.2

The Good

  • Free signup
  • Triple-bureau reporting
  • FICO scores
  • Identity theft protection
  • Mobile app

Free Signup

Credit.com offers a free product that might be sufficient for some individuals. To sign up for a free account, one must simply register with the company’s site; no credit card is required.  The free product is fairly basic and provides users with a credit report card and credit score. The provided credit report card is easy to read and provides simple explanations of the user’s score, detailing what one can do to improve their score through a reasonably comprehendible action plan.

Triple-Bureau Reporting

Credit.com offers credit reports and scores from all three major bureaus—Equifax, Experian, and TransUnion. This gives customers a comprehensive look at their credit.

FICO Scores

Credit.com uses the FICO scoring model to report its customers’ credit scores. This is the same model used by most lenders, so customers can be confident that they are receiving the same scores that potential creditors will be looking at.

Identity Theft Protection

Credit.com provides identity theft protection services in an effort to shield its customers from fraud.

Mobile App

Credit.com offers a free mobile app that is compatible with Apple devices. The app is highly rated on the app store.

The Bad

  • Price
  • Refresh rate

Price

With monthly prices ranging from $21.95 to $39.95, Credit.com’s services are some of the most expensive in the industry, making the company less attractive for consumers who are looking for a budget-friendly credit monitoring option.

Refresh Rate

Unfortunately, Credit.com only refreshes credit scores and reports once every two weeks. Although this isn’t the worst refresh rate in the industry, it is far from the best; several other top credit monitoring companies offer weekly or even daily refreshes.

The Bottom Line

Credit.com offers both free and paid plans, triple-bureau reporting, FICO scores, identity theft protection, and a mobile app. However, the company’s services are relatively expensive and its refresh rate is subpar.

More Information

Price Range

Credit.com offers a free plan, as well as a number of paid plans which range from $21.95 to $39.95 per month.

Trial Details

Credit.com does not offer a free trial of its paid plans, but it does offer a free plan that can be used for an unlimited amount of time.

Scores and Reports Provided

The company offers credit scores and reports from all three major bureaus—Experian, Equifax, and TransUnion.

Error Dispute

Credit.com does not have a dashboard specifically dedicated for customers to dispute errors on their credit reports, but does offer easy-to-follow advice on how to correct mistakes and notify the appropriate parties.

Monitoring

Credit.com doesn’t provide any sort of proactive credit monitoring or alerts.

Credit Score and Report Refreshes

Credit.com refreshes credit reports and scores every two weeks.

Data Security

Credit.com works to ensure that data is secure and uses top companies to protect its customers’ data.  The company is Norton secured, TRUSTe certified, listed as secure with Dunn and Bradstreet, and is regularly audited by Qualys to maintain its customers’ security.

Time in Business

Credit.com has been in business since 1996.

Contact Information

Credit.com Headquarters

160 Spear St STE 1020

San Francisco, CA 94105-1545

Phone: (415) 901-1550

Fax: (415) 901-1568

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