WisePiggy was founded in 1999 and is an online personal finance company based in San Mateo, California. The company offers a quick and easy way to monitor how your money is working for you. The company also provides a secure method of financial monitoring, including a free credit score and a custom action plan to help you improve that score and find bigger savings opportunities.
- Free service with no credit card required
- Free credit report assessment
- WisePiggy comparison tool
Free Service With No Credit Card Required
WisePiggy will provide you with your TransUnion credit score for free when you sign up for its services. Further, the company doesn’t require you to provide a credit card in order to do so.
Free Credit Report Assessment
WisePiggy offers a free credit report assessment that will show you different ways to help better your credit score. The better your score, the better your rates and rewards will be. Therefore, this is an extremely valuable service that the company gives you for free.
WisePiggy Comparison Tool
Even if you don’t open an account with WisePiggy, the company will still allow you to use its comparison tool to find special offers for car insurance, loans, credit cards, savings accounts, and more. This tool is very easy to use and will save you loads of time scouring the internet for this information.
- No phone number or live chat service provided
- Only one credit bureau report available
- Identity theft protection coverage undisclosed
- Credit updates every 30 days
No Phone Number or Live Chat Service Provided
Credit and financial dealings can be confusing and sometimes it just helps to be able to talk with someone. However, WisePiggy’s website doesn’t provide a phone number or offer any type of live chat service that would allow someone to contact them directly. This could be frustrating for those who need a little more direction than the website provides. The only way to reach WisePiggy is through the contact link on the Contact Us page of the company’s website.
Only One Credit Bureau Report Available
While the majority of the credit monitoring services provide credit reports from all three credit reporting agencies, WisePiggy does not. Therefore, if you want to get a true picture of the health of your credit and to make sure there are no errors being reported on any of your credit bureau reports, you will have to find another credit monitoring service because WisePiggy only provides a credit report from one credit bureau (TransUnion).
Identity Theft Protection Coverage Undisclosed
Many credit monitoring companies offer some type of identity theft protection. While that protection is usually somewhat limited, it’s better than nothing. However, it doesn’t appear that WisePiggy offers any kind of identity theft protection services, leaving its customers more vulnerable to fraud.
Credit Updates Every 30 Days
WisePiggy states that it pulls your credit every 30 days and updates you as to whether your credit score has gone up or down. Each credit monitoring company varies when it comes to how often they pull your credit. However, 30 days is a relatively long frequency, as many companies will pull your credit on a daily or weekly basis.
WisePiggy is a free service. The company does not even require consumers to enter a credit card.
WisePiggy doesn’t appear to offer any type of error dispute services. However, the company does provide you with a monthly credit report from TransUnion so you can look for errors yourself. Additionally, WisePiggy does provide some basic information on its website about how you can correct any credit report errors if you find them.
WisePiggy will only pull your credit report once per month.
WisePiggy encrypts the information you enter, but states that it cannot guarantee that a breach won’t occur, which is normal for any credit monitoring company. However, the company has a TRUSTe privacy certification and a GeoTrust stamp on its website.
WisePiggy doesn’t appear to offer any type of alerts that would notify you of any activity occurring with your credit.
Time in Business
WisePiggy, whose parent company is Quinstreet, Inc., was founded in 1999.
WisePiggy or Quinstreet, Inc.
950 Tower Lane
Foster City, CA 94404