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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User Reviews

Star Rating

4.5

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54 Reviews

Review Breakdown

5 grade

76%

4 grade

13%

3 grade

2 grade

1 grade

Sentiment Criteria

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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

5 years ago

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jakki Jones Renton, WA

I've long been involved in credit monitoring services and understate to date Vantage score are not used. Although I have subscriptions to several of these free sites that offer Vantage scores I find the activity on ones account is valuable. But I have My FICO and Experian subscriptions and thought I'd give Extra Credit a try considering the few dollars less than my myFICO subscription. Based on where I am in my credit journey I was okay with paying for this additional service to help those I help with with credit improvement. Off cycle from myFico. But considering the issues I've had since I signed up and I have been paying full price and when I questioned the issues I had for the 3 months I was signed up, somehow my subscription was cancelled without me cancelling. Considering the limited information provided with the Extra Credit service (only scores and nothing education nor the print options serves any purpose), it reminds me you get what you pay for. I'd rather spend the few extra dollars with myFICO to get reason codes and all the additional information provided other than scores. It pays to understand why your scores are the what they are but this service does not provide any additional information to determine. Otherwise you could pull your myFICO scores as need instead of a monthly subscription and receive more detailed information. I've found the beta users have the same complaints but because they were offered the beta use price of $5/monthly they will ride it out until full price is implemented. I get it. But I was paying full price and glad they erroneously pulled the trigger to cancel my subscription as I probably would have continued for a few more months for the purpose of timing and being able to compare score changes only, not any insight as to why the score changed.

3 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

5 years ago

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Verified Customer

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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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KOLE

This is a horrible company if you have any issues with them. I originally got the card in October 2021 and had it all the way until now. However I was only able to use the card for about 6 months maybe even less because I could not activate my card and yet I was still charged while they took almost a year to resolve the issue. I was told they would not charge me for as long as I had payed and not used the card and instead it was one month. They later had an issue with a charge that came out of my account but then was somehow unaccounted for on their end. When I tried to resolve it they gave me run around answers the entire time until I finally had enough and tried to cancel. I’m doing so they told me I was unable to because of the open dispute that had been going on for months so with that I blocked them from my bank and because of this they tried to threaten they would mess up my credit by reporting the payment issue with the credit bureau. Also after all of this my credit hardly improved at all if anything the improvement hat I did see was from other things and not even from them. Please don’t use this company they also do not have any customer service lines so if there is an issue you talk to an agent online only and they tend to wait forever to answer and when they do they almost always don’t answer whatever you were asking about in the first place.

1 year ago

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M. Neary Cleburne, TX

If I could give this card a -0 I would. WORST COMPANY I'VE EVER USED! I've had it less than 3 months and have had 3 major fraud issues. You can't reach a live human being. They can't do anything with their "concierge" people who just keep sending you in circles. I was told the monthly fee is $12.99 which is high but it's really $24.99. I keep being told to freeze my card but the app won't let that happen and it takes an act of god to get a rep to do it only to have it unfrozen by them. Reporting to the credit agencies is terrible and does not help at all. No change in my score which wasn't bad to begin with. THIS COMPANY IS A RIP OFF AND I WILL BE FINING A COMPLAINT WITHTHE ATTORNEY GENERAL AND FDIC AND ANY OTHER AGENCY THAT GOVERNS THE BANKING INDUSTRY.

3 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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Verified Customer

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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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Verified Customer

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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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Verified Customer

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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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Verified Customer

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Deirdre Bryant Riegelwood, NC

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

6 years ago

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Verified Customer

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Marquis Hibes Milwaukee, WI

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

6 years ago

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Alex Bennett Charlotte, NC

I had my card information get out twice and this has never happened to me before in my 17 years of banking. Also, company sent my waterpik that broke within a month. They would not give me a replacement or refund for waterpik.

9 months ago

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Isabelle Kalish Albuquerque, NM

I had this card for a while its not doing nothing for you credit score plus they are supporting scammers and will allow other company to take your money with no remorse do not start this they taking money every month for nothing they scammers themself all they reviews are fake what ever you if you put one star its amazing this card is not amazing whatsoever

1 year 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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Domingo Caraballo

It's a very good company and the people there really help you , walking you trough the difrent steps and are willing to help you make the better choices for self

7 years ago

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Verified Customer

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Anthony S. Memphis, TN

Flawless service. There is no better help

5 years ago

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Verified Customer

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Jerrimiah Carrollton, GA

very good very helpful Very nice people

5 years ago

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Verified Customer

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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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Verified Customer

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Gladys Hunter Lockhart, TX

Very knowledgeable, encouraging and confident

5 years ago

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Laura Burgos Pagosa Springs, CO

These people are thieves!! We emailed them over 3 times before our free trial expired and they ignored all of our emails to cancel. They then hit us with the 25.00 membership and made us overdrawn on our bank account!! DO NOT ENROLL with these criminals and do not sign up for the free trial. They will lock you in!!

2 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.

5 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

7 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.

7 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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Sherry Mickens Markham, IL

I am basically satisfied with the services, just took longer ger than expected and became a financial hardship.

5 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

5 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.

7 years ago

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Joann lacy

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

7 years ago

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Karen Bristol, TN

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

7 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

5 years ago

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Yevgeniy Panov West Hartford, CT

The best service. Great customer service 👍

5 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.

6 years ago

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John D Autry WA

Knowledgeable personnel on credit matters

7 years ago

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Erick Erickson

You get things done fast and you are very reliable

7 years ago

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Brian Cunningham GA

Very helpful very educational and compassionate

7 years ago

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Phillip Olive Branch, MS

Customer Service is great!!! Would tell more people about this company.

7 years ago