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LAST UPDATED: June 15th, 2021 is owned and operated by Experian, one of the three major credit bureaus. provides users with access to their Experian credit report and FICO credit score. This bare-bones credit report, which is updated on a monthly basis, may be sufficient for some users. However, others may prefer a more comprehensive look at their credit. 

Consumers should note that does not require credit card information and the company uses the FICO® Score 8 model.

Keep reading to learn more about the company's credit monitoring service and to see reviews. 

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The Good

  • Owned by Experian
  • Includes Free Services
  • FICO scoring model
  • Security
  • Helpful Online Resource

Owned by Experian

As previously mentioned, is owned and operated by Experian, which is one of the three major credit reporting agencies and is a massive, publicly-traded company.

In general, Experian is a fairly reputable company.'s website leads customers to Experian, also a known credit card issuer, where customers are able to apply for credit cards, auto loans, personal loans, and debt consolidation loans. 

Free Services

Unlike some other companies, really does provide customers with a free copy of their Experian credit report.

As mentioned above, the company does not even require users to input a credit card to make a free credit report request like other companies in the industry. 

FICO Scoring Model uses the FICO credit scoring model, which is the same model used by the vast majority of lenders. Customers can be confident that the FICO score they receive is the same one being looked at by potential creditors.


One of the benefits of being backed by a large company is that it provides comprehensive security and shielding of client information. The company clearly states what personal information it may use in its online terms and conditions section.

Because is certified by both McAfee and Entrust, users can rest assured that their credit accounts, social security number, and credit information are well-protected.

Helpful Online Resource

In addition to credit monitoring services, provides an online blog that helps customers learn about overall credit management including credit agencies, credit history, payment history, credit inquiries, tax liens, theft, how to make a credit report request, how to check a score, and more. 


The Bad

  • Single-bureau reporting
  • Undisclosed identity theft protection
  • No mobile app
  • Monthly refresh rate

Single-Bureau Reporting

Unfortunately, only provides consumers with a credit report from Experian, therefore leaving out the two other major bureaus (Equifax and TransUnion).

This lack of Equifax and TransUnion credit reports leaves a gap in coverage and may not provide customers with a completely accurate view of their comprehensive credit score. Consumers should know that many companies in the industry offer access to all three credit reports. 

Undisclosed Identity Theft Protection

It is unclear whether or not offers any identity theft protection features to shield its customers from fraud.

Meanwhile, many credit monitoring services do offer some sort of identity protection or monitoring. consumers who wish to have identity theft monitoring or protection may have to pay for a separate service. 

No Mobile App

Unlike other companies in the credit monitoring industry, does not seem to provide a mobile app to allow its customers to view their credit information on the go using a smartphone or tablet.

Monthly Refresh Rate only refreshes credit reports once per month. Changes can happen to an individual's credit in a month's time, so it can be an inconvenience if customers are not able to view an up-to-date version of their credit report at any time. Meanwhile, some other credit monitoring companies offer weekly or even daily report refreshes. 


The Bottom Line is owned by Experian, one of the three major credit bureaus. The company provides consumers with a free copy of their Experian credit report. also offers FICO score information (the credit scoring system that is commonly used by lenders) and security features at no extra cost.

Because customers do not have to pay for credit monitoring services, they can avoid a major financial burden/financial commitment.

Unfortunately, the company does not provide Equifax or TransUnion credit report copies or other scores. In fact, the company only works with Experian, one of the three credit reporting bureaus.

It is also unclear whether or not offers identity theft or data breach protection services. Additionally, only refreshes credit reports on a monthly basis while other companies offer weekly or even daily refresh rates.

If you are looking for a basic, completely free credit monitoring service that only provides Experian credit report information, may be the right service to sign up for. If you are interested in's service, it may be a good idea to take some time to read reviews and check out the company's website before you sign up. 

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Rick Pomona, CA

I think provides an excellent service for no cost. The service provides you with a monthly Experian credit report and score. As a free service it will not provide you with all the bells and whistles. However, by using and Credit Karma, I am able to monitor my reports and scores from all three bureaus for free.

6 years ago

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Jeff Martin Layton, UT

Great website to check your credit for free. I was able to do it easily with no issues and I continue to use it as a resource.

6 years ago

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edward reese Hyattsville, MD

the site and process is pretty difficult and even thought its "free" they try to trick you into paying for something if you're not careful.

5 years ago