Creditera is a unique credit monitoring company in that it offers both personal and business credit monitoring.
- Personal and business credit information
- Free plan
- FICO scores
- Triple-bureau reporting
- Identity theft protection
Personal and Business Credit Information
Creditera allows users to access their business credit reports from Experian and Dun & Bradstreet, along with their personal credit information from TransUnion, Experian, and Equifax.
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. This plan includes a personal credit score from one bureau, business letter grades from two bureaus, summary credit reports, and 24/7 monitoring. There is no limitation to the length of time that one may used the free plan.
Creditera uses the FICO scoring model to report its customers’ credit. This is the same model used by the vast majority of lenders, so its helpful that customers can see the same score that potential creditors will be seeing.
With its paid plans, Creditera provides credit scores and reports from all three major bureaus—Experian, Equifax, and TransUnion. This gives customers a comprehensive look at their credit.
Identity Theft Protection
Creditera’s premium plans include identity theft protection services such as identity recovery and up to $1 million in identity theft insurance.
- Monthly refresh rate
- Lack of mobile app
Monthly Refresh Rate
Unfortunately, Creditera only refreshes credit scores and reports on a monthly basis. A lot can happen to a consumer’s credit in a month, so it’s frustrating that members will not have access to their information in real time. There are a number of other companies in the industry that provide weekly or even daily refreshes.
Lack of Mobile App
It appears that Creditera does not provide a mobile app for its members to access their credit information on the go.
Creditera’s plans range from $29.99 to $49.99 per month.
Creditera offers a free plan that can be used for an unlimited period of time.
Creditera provides its members with a dispute console from which they can gather information about how to contact specific credit bureaus to dispute errors on their credit reports. While this is more than most companies offer, the legwork still largely falls on the consumer.
Creditera states that it performs “constant monitoring of over 90 sources” to search for activities which may signal fraud. While the company has not disclosed those areas which it monitors, its services seem comprehensive.
Credit Score and Report Refreshes
Creditera refreshes credit scores and reports on a monthly basis.
Creditera is verified to be secure by GoDaddy’s security service.
Identity Theft Protection
As part of its premier service, Creditera offers identity recovery and up to $1 million in coverage against loss caused by identity theft.
Creditera offers text, phone, and email alerts to notify its customers when suspicious activity is detected.
Time in Business
Creditera was founded in 2012.
Creditera Corporate Headquarters
4 West 4th Avenue,
San Mateo, CA 94402
Email: [email protected]