Creditera is a unique credit monitoring company in that they offer both personal and business credit monitoring. There is conflicting information online about this company, specifically its headquarters, and while the company website states that their corporate headquarters are in California, each representative with the company with whom our review team spoke was based in Utah.

creditera-homecreditera-price
Personal and Business Credit Information

Creditera allows users to access their business credit reports from Experian and Dun & Bradstreet alongside their personal credit from TransUnion and (on the paid service) Experian.

Rank Chart
Price
Reports Available
Our Score
#1
$19.95 - 29.95
3/3
8.3
#2
Free
2/3
7.4
#3
$19.95
Up to 3/3
7.2
#10
creditera-thumbnail
$0 - 29.99
1/3
6.3
Free Plan

For those wanting to test Creditera to see if they want to subscribe, Creditera offers a limited plan which is free and does not require a credit card to join.  There is no limitation to the length of time which one may used the free plan. This plan includes access to one’s TransUnion credit report and TransRisk credit score. If one chooses to upgrade to the Premium plan for $29.99/mnth, it provides the user with access to their Experian credit report as well.

Clean Interface

Creditera deserves recognition for the user interface they’ve developed – it’s clean, well-designed, and easy to navigate, this holds true for both their website and on their mobile applications.

Free App

For Apple and Android users, one can download Creditera’s free app and monitor their credit from the convenience of their iPhone or iPad.
[/the-good]

The Bad

Poor Report Coverage for Personal Credit

Although the addition of business credit monitoring is interesting, for the vast majority of our readers seeking personal credit reports, Creditera provides limited coverage. Specifically, the free service only provides TransUnion reports, while the $29.99/month premium service includes one’s personal credit report from Experian as well.

This level of coverage is poor, when similar levels of credit report coverage are provided for free from competitors such as Credit Karma.

Questions surrounding the Principals

As discussed above, there are some questions as to whether Mr. Caton Vance Hanson, Director is still associated with SBFC Law Group and how this involvement affects Creditera customers, if at all.  There is concern that our reviewer did not receive an immediate response from representatives with Creditera and there was some evasion of the question.

The Bottom Line

Unique offerings

Creditera offers credit monitoring which would be better suited for small business owners wanting to monitor their business credit as well as personal credit.

Considerable reservations

While Creditera offers a unique service in combining business and personal credit monitoring, our review team found enough in the way of questions and a lack of transparency with the company’s website and during interactions with the representatives to raise some concern.  Being that this company was/is associated with a law group with a history of taking money from individuals and businesses in order to “improve” their credit or secure small business funding, coupled with the terms of service allowing third party individuals to contact subscribers, one should be fully informed before signing up with Creditera.  Simply put, credit repair is an industry which has seen multiple scams and customers should beware.

The above reasons, combined with the poor value offered on the premium subscription level compared to competitors, leads us to not recommend Creditera for personal users, while cautiously recommending them for businesses.

Price Range / Features

Creditera offers three subscription levels, Standard, Premium, and Premium Plus.

The Standard plan is free and doesn’t require a credit card to sign up. It includes one’s TransUnion report, TransRisk score, and, for businesses the D&B and Experian business grades.

The Premium plan is $29.99/month and includes access to one’s personal credit report from Experian and an expanded list of underlying credit factors for one’s personal and business credit, as well as identity recovery services, ID theft insurance, and live customer support.

The Premium Plus plan is $49.99 per month and simply allows businesses to have access to multiple credit reports on multiple companies, as well as their FICO SBSS business credit score.

Trial Details

Creditera offers a free plan for their basic personal or business credit and identity monitoring services. They do not offer a 7-day or any type of trial period because they offer their Standard plan free. It does not require a credit card to sign up.

Error Dispute

Creditera offers their members a dispute console from which they can gather information on how to contact specific credit bureaus to dispute errors on their credit reports.  While this is more than most companies offer, the burden of the legwork remains largely with the consumer.

Monitoring

Creditera states that they perform “constant monitoring of over 90 sources” to search for activities which may signal fraud.  While they do not disclose those areas which they monitor, their services seem comprehensive.  There are not a number of customer complaints filed against Creditera via the Better Business Bureau or at independent review sites which suggest that customers do not get that for which they are paying.

Creditera offers text, phone, email and push alerts (via Creditera’s app available in the App Store for iPhone and iPad) to notify their customers of activity which is detected, giving them the opportunity to act to prevent further damage from being done.

Credit Score and Report Refreshes

Creditera’s offerings are a bit misleading in that there is an assumption that credit scores and reports will automatically refresh monthly and that their subscribers will receive new information monthly.  This is not the case.  To request a refreshing of one’s credit report, a subscriber must speak to a representative.  Otherwise reports refresh quarterly.  Scores are refreshed monthly, based upon a subscriber’s credit behavior during the month (paying off a credit card, etc.).

Data Security

Creditera is verified to be secure by GoDaddy’s security service.

Identity Theft Protection

As part of their monitoring service, Creditera offers $1 million in coverage against loss caused by identity theft for their paid subscribers.  There is no identity theft coverage offered for those using the free plan.

Alert Options

Alerts can be sent via email, text message, phone call or via a push notification for those using the Creditera app for iPhone and iPad.  At the present time, there is no Android app available.

Better Business Bureau Score

At the present time, Creditera is not accredited with the Better Business Bureau.  Accreditation is not required and is completely voluntary in that a company may seek accreditation.  Creditera  currently is rated with an A+ rating by the BBB and has had 10 complaints which have been filed with the BBB during the last three years, 6 which have been closed in the last 12 months.

Time in Business

Creditera opened their business in 2012.

Contact Information

Creditera Corporate Headquarters

4 West 4th Avenue,
Suite 400
San Mateo, CA 94402

Utah Office

3630 W. South Jordan Parkway,
Suite 201
South Jordan, UT 84095
(855) 226-8388
Email: [email protected]

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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24 Creditera Reviews

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  1. User Score

    10

    April 25th, 2014 South Jordan, UT

    I love the easy way I can use the interface. I’ve done free report places before, and you get what you pay for. Here, you’re getting tips on what’s going on, information on what’s affecting your score, and ways to improve your position. It took me almost 4 years to get my credit understood well enough to get my house using other services, and even then I was guessing half the time. I wish Creditera was around 5 years ago!

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  2. User Score

    10

    August 8th, 2013 Pleasant Hill, CA

    I got my personal credit score AND my business credit score. I’ve never found a service that provides BOTH in one simple login.

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  3. User Score

    10

    August 6th, 2013 Salt Lake City, UT

    It is simple and easy to understand. I like how it shows my payment history with little green checks and shows me what is lowering my score

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  4. User Score

    10

    August 2nd, 2013 Salt Lake City, UT

    Great option when your wanting to combine two services in one. I used to go through my local bank for my Personal Credit Monitoring and then was going through Dun & Bradstreet for my Business Credit Monitoring. To be honest it was kind of confusing going to both when wanting to look up my reports. It was much easier for me to Monitor both Personal and Business Reports. I’m now going on to see my reports every month. Its great to see how my business is progressing. I would strongly recommend anyone who is in business to use Creditera.
    Also, their Customer Service Team is GREAT! They were very helpful and are checking in with me to see how my experience has been.
    I plan to use Creditera for as long as I’m in business.

    Thanks

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  5. User Score

    10

    July 31st, 2013 Salt Lake City, UT

    I have been using Creditera for several months & I am loving there service. I can check my credit 24/7 and the Identity theft protection gives me real peace of mind. There customer service staff are on top of everything and have been very helpful, The fact I can get full report not just a summary or a credit score anytime I want. Very Good service!!

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  6. User Score

    10

    July 28th, 2013

    i have had creditera for 2 weeks i am loving the service it was a fast and easy process got my full credit report and they helped me out alot

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  7. User Score

    7

    July 25th, 2013 Pleasant Grove, UT

    Overall my experience with Creditera has been good. I like that my report gets refreshed every month. That’s really the reason I signed up with these guys in the first place. The thing I didn’t like was that I only got 1 score and report and that was my Experian. I was hoping to get all 3 burues when I signed up. That’s why I’m giving them a 7 instead of a 9 or 10.

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  8. User Score

    10

    July 25th, 2013 Pleasant Grove, UT

    Overall this gave me and my wife what we needed. We’re working on qualifying for a house. We got a phone call 2 weeks after signing up, no upsell at all, they actually wanted to make sure we were satisfied with the product! I was blown away. #Customerservice #greatcompany

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  9. User Score

    9

    July 24th, 2013 Salt Lake City, UT

    Creditera has been so helpful during my home buying process. Being able to see all my credit info and payment history in one place has been invaluable in the decision making process!! A real confidence builder before applying for my loan! Thanks.

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  10. User Score

    10

    July 21st, 2013 Salt Lake City, UT

    I signed up for creditera’s credit reports so I could get a good idea about my credit score. I really like the site, and when I had to call customer service, they were really nice. The credit reports are easy to read, and they helped me find a credit card account I forgot to close.

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  11. User Score

    10

    July 21st, 2013 American Fork, UT

    I’m glad Creditera came into existence. I can find things quickly without feeling overwhelm. I hate services where the user-interface is bloated with bunch of upsell in every other paragraph when describing a concern about a credit score.

    There’s two feature I’d like to see in the near feature. First would be a little more visual representation of my credit score (graphs & charts) for us lazy people that like that sort of stuff. Second, an easy way to give feedbacks to the company and/or send bugs to Creditera when I’m logged in.

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  12. User Score

    10

    July 13th, 2013 Salt Lake City, UT

    The credit monitoring is awesome. I applied for a loan and got an email and text msg notice within day or two. It’s good to know that if someone tried to steal my identity and apply for a loan, I’d find out right away.

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  13. User Score

    10

    July 12th, 2013 Orem, UT

    I’m new to Creditera and I received my first follow up call to make sure I was happy with the service. What?! These guys know whet the h3ll there doing!

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  14. User Score

    10

    July 11th, 2013 Pleasant Grove, UT

    I’m absolutely loving my Creditera account. It was way easy to get setup. Once you are logged in everything is straight to the point and easy to use. You login and there’s your Experian score and your report. The text and email alerts were also very easy to get setup. My only complaint would be that you only get your Experian score and report and not TransUnion and Equifax. I called in and asked a customer service rep if they had plans on adding those two scores and reports and she said they are adding them in the near future. Overall, I really like Creditera. Good stuff!

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  15. User Score

    10

    July 10th, 2013 Salt Lake City, UT

    I recently got a car loan, and when they asked to pull my credit, I told them I could provide a copy of my credit report from Creditera. It worked great! They accepted that, and thus not creating any HARD pulls on my credit.
    The layout and functionality of the website is super easy and user-friendly! And I love how it shows my payment history so clearly.
    Overall, I really love this site – and I now have more peace of mind knowing that all of my information and identity is protected.

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  16. User Score

    10

    July 4th, 2013 Salt Lake City, UT

    I love how clear it is to see my payment history on my accounts. Even on a holiday like today!

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  17. User Score

    10

    July 3rd, 2013 Salt Lake City, UT

    As a business owner, my personal and business credit info is constantly being accessed. I take extreme measures to monitor the various loans and lines of credit that I have. Having a one stop shop like Creditera, where I can access my information, as well as receive updates, has made the monitoring system so much easier for me. I’ve gone from having 3 different monitoring systems, down to one easy and user friendly system.

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  18. User Score

    10

    July 1st, 2013 Riverton, UT

    Easiest monitoring and scoring site I’ve used. Rolls both business and personal scores reports and alerts into one spot. I couldn’t be more pleased.

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  19. User Score

    10

    June 30th, 2013 Salt Lake City, UT

    Creditera’s display of credit my credit report is much easier to understand than any other monitoring service I’ve used in the past. I love the credit summary that is provided. It’s super easy to see the most important things on my credit!

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  20. User Score

    10

    June 18th, 2013 Salt Lake City, UT

    I’m really impressed. It was easy to sign up and continues to be easy to use . The customer service team is great, They are right there to help with any question . I will continue to use this company for all my credit information . Thanks Creditera You’re the best !

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