Founded in 1995 in San Francisco, California, Credit.com works to help teach consumers how to make smarter credit management decisions. There is no upfront cost or credit card required for consumers to enroll in Credit.com's services, which include credit monitoring, a credit report, and a credit score.

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The Good

  • Free Service
  • Credit Monitoring

Free Service

Credit.com does not charge consumers anything to enroll in its identity theft and credit monitoring services. This type of protection and credit monitoring can be a good option for small business owners and individuals who are looking to obtain protective services for low or no cost. According to the Credit.com website, when customers sign up for the company's free credit monitoring services their credit will not be hurt and they can check their credit score without any hidden fees or monthly payments. 

Credit Monitoring

Credit.com offers credit monitoring from all three major bureaus-Equifax, Experian, and TransUnion. The company provides its customers with free bi-weekly updates on their credit standing and will issue email alerts immediately if account information is updated or if suspicious activity is detected.

Those who sign up for the company's services will also receive a free Experian credit score, a free credit report card, and a free credit action plan. 

The Bad

  • No Insurance
  • Limited Services

No Insurance

Unfortunately, Credit.com does not offer identity theft insurance to cover its customers in the event of identity theft. In comparison to other companies in the identity theft industry, Credit.com's lack of insurance limits customers' abilities to recover from identity theft. 

Limited Services

Credit.com focuses solely on monitoring credit information and does not monitor bank account systems, health records, or online black markets. Additionally, Credit.com does not provide financial, medical, criminal, or tax identity recovery or lost wallet assistance.

The Bottom Line

Credit.com is free for consumers to enroll in and provides triple-bureau credit monitoring. The company guarantees that signing up for their services will not affect your credit. However, the company's services are extremely limited as it does not provide bank account monitoring, medical monitoring, and many more common monitoring services.  Credit.com also does not provide customers with identity theft insurance. 

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User Reviews

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Sentiment Criteria

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Quality of product or service
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CL Jones

October 23rd, 2015 Anchorage, AK

They mislead consumers even after challenging with Experian. Continue to take your money and claim they do not.

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MikeA

September 21st, 2015 Boynton Beach, FL

I use a unique email address for every website that asks for one. The one I gave to credit.com now gets a load of spam. They sold my email address to spammers! When I informed them, they asked for a copy of some of the spam, which I provided. They have not responded since.

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