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LAST UPDATED: June 22nd, 2021 is an Experian-owned company that offers free credit monitoring. The company also provides consumers with a free Experian credit report and FICO score, access to a mobile app, an Experian boost tool, and more.

In addition to's user interface, customers can also access their accounts through the Experian website.

Although is free, it's important to note that the company only offers monitoring/scores for one credit bureau (Experian), and only refreshes credit reports once per month. We advise customers to make sure they know what they're signing up for before enrolling at

Keep reading to learn more about's credit monitoring services. 

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The Good

  • Owned by Experian
  • No Cost Monitoring
  • FICO Scores
  • Credit Score Simulator
  • 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 information.

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 Monitoring

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. With, consumers can also obtain a free credit score and free credit report.

Meanwhile, many other companies in the credit monitoring industry charge users a monthly payment for similar services. 

FICO Scores's credit report and monitoring use the FICO credit scoring model. 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 scoring 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 a lender pulls than any other type of score.

Credit Score Simulator

Another feature we look at 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.

These kinds of tools tend to provide users with the most useful credit insights. These tools also give consumers opportunities to learn hands-on how to build their credit over time.

Mobile App

Because is powered by Experian, it allows users to take advantage of one of the best-designed mobile credit monitoring apps on the market. The interface is attractively designed, easy to use, and provides full access to the same features as the website.

One feature that stands out is the service's integrated video section, which shows users how to do everything from disputing a late payment to placing a security freeze on their account. The video section is also designed to educate 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 only provides credit reports, credit scores, and credit 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.

That said, it is fairly common to see free credit monitoring services that only provide data for one credit bureau. 

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

If you are interested in's credit monitoring service, we recommend that you visit the company's website and/or contact the company directly to obtain more information. You should also consider reading several reviews before you sign up for the company's service.

View Best Credit Monitoring Companies

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