Overall Score

1 User Review

Claim this Profile is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative

of this company?

Claim this Profile

Owned by Experian, one of the three major credit bureaus, brings a lot to the table, including FICO scores, a well-designed website and mobile app, and strong educational resources. However, the company does not offer triple-bureau monitoring or scores and only refreshes reports once a month. We advise customers to make sure they know what they're signing up for before enrolling at

#1 Credit Karma Logo Credit Karma ›



23 User Reviews
#2 WalletHub Logo WalletHub ›



2 User Reviews
#3 myFICO Logo myFICO ›



13 User Reviews
#26 Logo



1 User Reviews

The Good

  • Owned by Experian
  • No cost
  • FICO scores
  • Credit score simulator
  • Education center
  • Mobile app

Owned by Experian is owned and operated by Experian, the largest of the three major credit bureaus. As such, the company has tremendous financial resources, manpower, and expertise when it comes to credit. When a user signs up with, they might rest a little easier knowing that the entire service is owned and operated by a legitimate publicly-traded company, rather than a shady fly-by-night operation.

No Cost

There is no cost to sign up with, making it a good option for consumers who would like to access basic credit monitoring and reporting services without breaking the bank.

FICO Scores's credit report and monitoring uses the FICO 8 credit scoring model. which is the latest version. This is worth noting since it's the same brand of credit score used by the vast majority of lenders and gives customers a much more accurate idea of their real-world creditworthiness. Keep in mind that while some lenders may use a different variation of the FICO model, such as FICO Mortgage or FICO Auto, the FICO 8 score provided by Experian is still likely to be much closer to the score your lender pulls than any other type of score.

Credit Score Simulator

Another feature we look for and applaud for including is a true FICO credit score simulator. For those who are unfamiliar with credit score simulators, they basically allow a user to see how different financial decisions, such as paying off a credit card or taking out a mortgage, might affect their credit score. We appreciate these kinds of tools because, in our opinion, they provide users with the most useful insights and opportunities to learn hands-on how to build their credit over time.

Education Center has an extremely comprehensive education center. It's full of lengthy, accurate, and up-to-date information to help customers educate themselves on everything from identity theft to disputing inaccuracies on their report to improving their credit scores.

Mobile App

Because is powered by Experian, it allows users to take advantage of one of the best-designed mobile credit monitoring apps we've seen. The interface is attractively designed, easy to use, and provides full access to the same features as the website. One feature that stood out was the integrated video section, which does a great job showing how to do everything from disputing a late payment to placing a security freeze on your account, as well as educating users on topics such as hard inquiries, revolving accounts, and the like.

The Bad

  • Single-bureau reports and monitoring
  • Monthly refresh rate

Single-Bureau Reports and Monitoring

Unfortunately, only provides credit reports, scores, and monitoring from one of the three major credit bureaus (Experian). This means that customers will not have access to information from Equifax or TransUnion, leaving a large gap in their ability to accurately monitor their credit.

Monthly Refresh Rate only refreshes credit reports and scores once per month. This is not up to par, as many other companies in the industry offer weekly or even daily refresh rates.

The Bottom Line is free to sign up for and offers FICO scores, a credit simulator, an education center, and a mobile app. However, for those looking for an all-in-one comprehensive credit monitoring solution, might come up a bit short. Its lack of reporting and monitoring from two out of the three major bureaus credit reports leaves a pretty big blind spot. Additionally, the company only refreshes scores once per month.

User Reviews


Write a Review
Sort By:
  • 1

    November 14th, 2013 Jacksonville, FL

    You get your 3 credit bureaus once for the fee of $9.95. after that you will be charged a monthly fee of the same, but have no more access to anything other the front page. Why the mo fee, it is misleading. I cancelled on 11-10-2013 and spoke with the Philippines, a guy who was not of good command of the English language. I thought to better follow with an email on 11-13-2013 and sure enough they claimed they did not have my cancellation - so they say. Their response left a lot open and this is one dissatisfied customer....Buyer BEWARE, you do not get what you want there.