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7.1

Overall Score

LAST UPDATED: January 14th, 2024

ExtraCredit is a new product provided by Credit.com, a well-known financial products and services company that strives to help consumers make smarter financial decisions. 

Unlike other services, ExtraCredit is a comprehensive credit solution that is designed to fulfill the majority of consumers’ credit needs from credit monitoring and credit repair to identity theft. 
 
ExtraCredit offers the following five features: 

  • buildit — a credit profile-building feature
  • guardit — an identity theft protection feature
  • restoreit — a discount for credit repair feature 
  • rewardit — a rewards system feature
  • trackit — a credit monitoring feature

Included with the features listed above, ExtraCredit offers proactive identity theft alerts, cash rewards, exclusive discount to one of the leaders in credit repair, tri-bureau credit reports, and more. 
 
Overall, ExtraCredit is designed to take care of consumers’ credit and identity theft needs in one affordable package. 
 
Read on to learn more about Credit.com’s ExtraCredit product.

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The Good

  • Free Trial Service
  • Affordable Services
  • Rewards Feature
  • Reputable Company 

Free Trial Service

Interested consumers can try out ExtraCredit's service for free for one month. In comparison to what other companies in the industry offer, ExtraCredit appears to provide one of the longest free trials. 

Consumers must fill out the company's online information forms in order to sign up for its one-month-long free trial service. 

Affordable Services

ExtraCredit costs $24.99 per month and includes a variety of services from identity theft alerts to an exclusive discount to one of the leaders in credit repair. 
 
This monthly fee for ExtraCredit’s services is significantly lower than what many companies charge for just one service. 
 
The product’s five features include the buildit feature, the guardit feature, the restoreit feature, the rewardit feature, and the trackit feature. Below is a breakdown of what each feature offers:

  • buildit — This feature helps consumers get acknowledgment for every bill they pay on time including recurring bills like rent, phone bills, and utilities. 
  • guardit — This feature involves dark web monitoring, up to $1 million in identity theft insurance, and real-time alerts. 
  • restoreit — This feature provides consumers with a discount to CreditRepair.com, or, if not available in your area, another leading credit repair service provider.
  • rewardit — This feature is designed to help users earn real cash rewards.
  • trackit — This feature gives users access to 28 of their FICO scores as well as credit reports from all three major credit bureaus. Additionally, this feature provides users with credit monitoring services, in-depth credit breakdown, and alerts.

Rewards Feature

ExtraCredit offers a rewards feature that involves real cash awards, as well as a signup bonus. 
 
These rewards are designed to celebrate users’ financial milestones. According to the company’s website, users can get these rewards when they “are approved for select credit cards and loans through ExtraCredit.”

Reputable Company 

ExtraCredit is the first paid product that is offered by Credit.com, a company with a fairly well-known reputation within the financial services industry. 
 
Credit.com provides consumers with a significant amount of helpful financial information regarding personal finance, credit cards, loans, and more. 
 
Additionally, the company provides several free resources on its website and provides a free account service that lets consumers check their credit, review their credit profiles, and have access to a personalized dashboard.

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The Bad

  • Limited Plan Options

Limited Plan Customization

The ExtraCredit product does not appear to be that customizable in terms of features. 
 
Consumers that want additional identity theft protection or different credit solutions may not be able to receive those with this product. 
 
That said, ExtraCredit offers quite a bit in terms of features at an affordable monthly price, which may satisfy most users.

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The Bottom Line

ExtraCredit, a new product offered by Credit.com, is designed to be a one-stop shop for consumers’ credit needs. 
 
The product offers five features that range from credit profile-building services to discounted credit repair with a reputable credit repair service and identity theft protection. 
 
Although ExtraCredit does not seem to offer much plan customization, the product is one of the most affordable services in the credit solutions market. In fact, the product itself, which includes up to $1 million in identity theft insurance, rewards, and more, costs only $24.99 per month. Consumers can also try out the company's services for one month for free. 
 
Additionally, ExtraCredit offers users a signup bonus and cash rewards in celebration of their financial milestones. 
 
ExtraCredit also gives users the ability to access 28 of their FICO scores, which is rare to see in the credit monitoring industry. 
 
If you are interested in Credit.com’s ExtraCredit product, we recommend that you visit the company’s website to learn more.

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Star Rating

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4.5

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54 Reviews

Review Breakdown

5 grade

76%

4 grade

13%

3 grade

0%

2 grade

2%

1 grade

9%

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Madison Kneiss Long Beach, MS

they talked us through the whole process. they seem to keep up with our account and work hard at changing our credit score. they also monitor your credit and give you any updates to thing you should check into. i also loved the dashboard. i could watch things change, fall off, and improve. the process did seem a little slow but they were fixing the wrongs done by an ex so i was grateful.

4 years ago

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kingFelix Clarksville, IN

Excellent service.They helped remove items from my credit report I didn't know about instantly.My credit score went from 524 to 700+ in 4 mos.They even automatically reduced my monthly fees to just monitoring fee. I would recommend them in a heartbeat. I never had any issues with customer service or timeliness of questions asked. I was called directly ,emailed or texted in timely manner.

6 years ago

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Isaac E Marsh Oak Ridge, NJ

Since I contacted your good office I'm well pleased of what I'm receiving to my credit report , you have brought me joy and blessing to my life . God will continues to blessed you and your staff to take care of his children . Keep up the good works and you and your staff will be rewarded by the power of the almighty Lord and Savior Jesus Christ .

4 years ago

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Linda K. Hayes Oak Park, MI

Everyone I talked to.. was very concerned about helping me. I felt comfortable.. sometimes people are not comfortable talking about their credit.. embarrassed.. and like me procrastinate. about getting it taken care. I’m glad I called you guys.. thank you so much

4 years ago

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Ruth Gutierrez Amarillo, TX

I was unsure at first but once i see the results i was very amazed and grateful i put my trust in them i highly greatful i recommend workers and friends they would be happy.i love i was seeing results

4 years ago

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Don johnson Statesboro, GA

My experience was great I really enjoyed the great customer service they can get my service anytime

5 years ago

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Denise DeMeerleer Columbus, OH

Professional, courteous, hardworking and friendly staff strives to take care of your credit issues and help you resolve them in the most efficient manner for your needs.

4 years ago

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Robin Muncie, IN

My credit score has went up and my credi reports are looking great

5 years ago

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Judy Amarillo, TX

Great customer service , good price with different options for service plans

5 years ago

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Karen Salt Lake City, UT

Love working with them. Great app - and love that they give you a FICO score.

5 years ago

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Deirdre Bryant Riegelwood, NC

It's the most reasonable service, and they REALLY get the job done.

5 years ago

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Marquis Hibes Milwaukee, WI

They are doing a awesome job! I would recommend them to anyone.

5 years ago

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Saren Chan Philadelphia, PA

They are Very helpful. When you have questions they have answers. My score is up higher than I expected in less than 5 months.

5 years ago

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Anthony S. Memphis, TN

Flawless service. There is no better help

5 years ago

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Jerrimiah Carrollton, GA

very good very helpful Very nice people

5 years ago

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Anthony D Blan Roswell, NM

They have been completely helpful and thorough thus far.

5 years ago

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Gladys Hunter Lockhart, TX

Very knowledgeable, encouraging and confident

5 years ago

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Nichelle Luck Charlottesville, VA

I like that the company takes our information very important and helps get your credit on the right track!

4 years ago

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Tony Tulsa, OK

Very courteous and professional . Very satisfied with the service. Had improved credit score within two months!

4 years ago

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David Haberfeld Bristol, CT

I had a great experience. You did exactly what I wanted and I appreciate your business being available for hire.

4 years ago

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Richard Allred

Courteous and professional with each person that you talk to they understand and are willing to help

6 years ago

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Donna L Duffey Riverdale, GA

Great Review an like the alerts thats sent to me well done thanks for what you can do for me an my family.

6 years ago

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Jessica Murphy ,

Exceptional professionalism and efficiency that provides desired results in a timely manner.

4 years ago

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Celina R Phoenix, AZ

Awesome company really help me out to get back on track with my credit... highly recommend! :)

5 years ago

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Marquez Thomas Murfreesboro, TN

The people that work there seem like good people and they were very helpful to my needs.

5 years ago

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Gideon Intsiful Dayton, OH

The customer service was exceptional and they really did a good job

4 years ago

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Bettie Fort Smith, AR

Very good about jumping in there to help you right away. Keeps me informed.

5 years ago

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Kelvin.J. Waymon,Sr Aliquippa, PA

Outstanding, very professional and make things happen for you. Awesome 👏

5 years ago

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Anna Moralez San Jose, CA

Customer service was very helpful and she very nice to talk to.

6 years ago

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Joann lacy

good customer service good knowledge of what they're talking about

6 years ago

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Karen Bristol, TN

Everyone that I spoke to had a very positive attitude and made me feel welcome

6 years ago

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Cecilio Cranston, RI

Great customer service always polite and solving issues.

4 years ago

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Brentley johnson Hollywood, FL

Really helped me get a better & higher credit score

4 years ago

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Yevgeniy Panov West Hartford, CT

The best service. Great customer service 👍

4 years ago

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Nikiya Davis Danville, IL

Great my credit is getting better and better by the day

5 years ago

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Anita Thomas District Heights, MD

Excellent service and I'm coming back soon.

5 years ago

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Michael Walker Upper Marlboro, MD

Great Customer Service and very helpful.

5 years ago

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Steven Schluneget Two Harbors, MN

Attentive, comprehensive, effective, rapid.

5 years ago

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John D Autry WA

Knowledgeable personnel on credit matters

6 years ago

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Erick Erickson

You get things done fast and you are very reliable

6 years ago

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Brian Cunningham GA

Very helpful very educational and compassionate

6 years ago