Your Learning Center

With, you'll not only get all 3 scores and reports, you’ll also learn how to better understand what makes up your credit scores, reports and the essentials of credit monitoring. We give you the tools and information so that you can take action! You’ll start to see how making small changes in your credit habits can make a huge impact on your overall credit health.

Your credit score is the numerical representation of the contents in your credit report. The information in your credit report is evaluated and calculated as a numerical value to help lenders assess the level of risk involved in their decision. The better your score, the more likely it is that your application will be approved, often with a better interest rate.

Your credit score is a numerical representation of your credit report, used to determine your financial reliability. There are a variety of "score factors” they use to determine the numerical value of your credit report. These factors are important to know because they will affect your score either negatively or positively. These factors are:

  • Variety of credit types
  • History of previous payments
  • Activity with credit inquiries
  • Amount of debt
  • How long credit has been open

Companies use your credit score for a variety of reasons. In fact, financial companies, creditors, employers and even insurance companies use your credit score as their top tool to determine your creditworthiness. Depending on how long a person has been using credit, credit reports can be extremely lengthy. Because of this, most companies look at the credit score as “snapshot” of that individual’s report, helping them make quick, informed decisions.

Keep in mind that not all companies use scores/reports from all 3 bureaus. Depending on the size, industry, or even location of the company, some may use only one bureau’s. It never hurts to ask a company where they get their credit reports and scores if you are interested in knowing more about their process.

Absolutely! In fact, we highly recommend that everyone check their credit reports! A quick and easy way to do that is by visiting By federal law you are entitled to a free credit report, from any of the 3 credit bureaus, once every 12 months.

However, while that free annual report is helpful, most people find that checking their credit once a year isn’t proactive enough for them. That’s the beauty of what you get when you sign up with—not only do you get the ability to check your credit reports whenever you want, you also get 24/7 credit monitoring across all 3 bureaus. Which means you’ll be alerted if ever any suspicious or irregular activities show up on your report.

Credit reports generally get updated every month. However the dates that companies submit their monthly updates can vary company to company. That’s why it’s always a good idea to check your reports on a monthly basis.

Credit monitoring is a service that continuously monitors someone’s credit to keep an eye out for unanticipated changes like new inquiries, missed payments or even new accounts.

Credit monitoring is also a great tool against identity theft and as a member, you’ll be contacted if anything looks out of the ordinary. So, in a way, credit monitoring also provides peace-of-mind.

A credit inquiry is when a company submits a request to look at your credit records. This happens if you apply for anything involving credit, a car, loan, credit cards etc. Sometimes even potential employers will want to look at your creditworthiness. Nobody should ever make credit inquiries without your permission however, so it’s important to look into any inquiries that you don’t recognize.

With your membership, you'll have unlimited access to your credit reports and scores. You'll also receive a credit report consultation, 24-hour credit monitoring, credit alerts, exclusive access to our credit education library, and much more!

You gain instant access to your credit scores and reports upon enrollment. When you sign up, you will be immediately redirected to our membership dashboard. Use the tabs at the top of the dashboard to navigate between features in of your membership. Enjoy!

On your member dashboard, click the "3-Credit Alerts" tab at the top of the page. Then click on the tab that is displaying the alert. It's important that you take a look at these alerts as soon as possible.

Great question! This all depends on what type of alert you receive. For example, if you receive an alert about a “new credit inquiry”, the first step is to confirm whether or not it is an accurate claim. If you have recently been applying for credit of any type, the alert could be from that application process. However, if you are not able to confirm that the inquiry was connected to your actions, then you need to contact the company listed on the credit inquiry right away. Keeping up-to-date with these alerts allows you to take any necessary steps to sort out any issues, right away, if needed.

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Important Information: The credit score(s) you receive from us may not be the same scores used by lenders or other commercial users for credit decisions. There are various types of credit scores, and lenders may use a different type of credit score to make lending decisions than the ones being offered.

Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

After verification of your identity, your scores are available for immediate online delivery securely. Scores shown are for illustrative purposes only. provides you with the tools you need to access and monitor your financial profile through the program's credit reporting and monthly monitoring benefits. Credit Monitoring and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses. Credit information is provided either by Transunion® and TransUnion Interactive, Inc. or Experian and CSIdentity Corporation.

All product and company names and trademarks mentioned herein are the property of their respective owners.