Your Learning Center

You don't just get all 3 scores and reports with — you'll learn how to better understand your scores, reports and how to monitor your credit. Over time, you'll start to learn what changes to your credit profile have the most impact.

Your credit scores is an up-to-date summary of your credit report. The information in your credit report is calculated as a single number that represents your level of financial reliability. Your score helps lenders to make assumptions concerning how likely you will be to repay your loans or make your credit payments on time. The higher your score, the more likely you are to get the credit for which you are applying.

By now you know that your credit score directly reflects your credit report, and you also know that it is calculated using “score factors”. Every aspect of a score factor can and will affect your score either positively or negatively. Below we have listed just a few factors that can have an impact on your score:

  • Too many credit inquiries
  • Notable credit delinquencies
  • Opening new lines of credit
  • Having an average balance of revolving credit that is too high
  • A clear shortage of mortgage accounts

Companies want to use your credit score in multiple ways. In fact, your credit score is one of the most frequently used tools by finance companies, creditors, employers, and even insurance companies in the U.S. Companies routinely rely on credit scores for determining creditworthiness. Most companies consider credit scores to be accurate credit “snapshots” of that person’s creditworthiness. Companies use your credit score to help them make quick credit decisions about you. Creditors also can get your full credit report if they want to, which helps them review a larger amount of information about you.

TransUnion, Equifax, and Experian also offer industry-specific credit scores. These reports let lenders get a clearer understanding of more specific information, which they will often need when they are reviewing your credit. For example, car industry lenders use credit score models that review and evaluate the history of people’s car payments.

Industry-specific scores are based on available data present in the records of a specific agency, so it’s very possible that it will end up differing from one agency to the next. But credit score ratings can be different, depending on the score model being requested (such as renters, auto, mortgage, etc).

Of course, and it is a good idea for everyone to check their credit report! One quick and easy way to see your own credit report is to visit You’ll be able to view your credit report from any of the 3 credit reporting agencies. By federal law, you’re entitled to view your report for free once a year.

But remember, this is not the same as credit monitoring. To have your credit monitored 24/7 across all three credit bureaus, sign up for This will not only allow you to view your own personal report whenever you choose, but it will also make it possible for your report to be monitored across all three bureaus. That way, if there’s ever any suspicious and/or irregular activity on your report, you’ll be contacted immediately.

Credit reports are updated every month, but the day of the month that creditors submit this information will vary. Because of this, some agencies may receive updates from one creditor on the 11th of the month and from another on the 24th of the month. This is another good reason to check your credit report on a regular basis.

Credit monitoring is pretty easy to understand: It’s a service that continuously monitors a person’s credit for any unanticipated changes and updates. These changes could include new inquiries, missed payments, or even new accounts.

Of course, if you are a member, then you’ll be contacted if any of the items mentioned above ever appear on your credit. This is how that credit monitoring can be an effective tool for people who are looking to fight against identity theft. With credit monitoring at your side, you’ll be updated as soon as anyone tries to open an account in your name. But if you do not have credit monitoring, then you may be at risk of someone stealing your identity and running up debt in your name.

A credit inquiry happens when a financial company submits a request to obtain additional information that will help them understand your creditworthiness. These companies will use elements found in your credit report to help them make decisions about how much credit they should issue. Generally, some of the most common inquiries occur when people apply for home loans, auto loans, or new apartments. One good thing about these kinds of inquiries is that they cannot be made without your permission.

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!

Your credit reports and scores become available the moment you enroll. As soon as you sign up, you will be automatically forwarded to our member dashboard. By using the tabs at the top of the dashboard page, you can easily navigate between your member benefits.

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.

If you receive a credit alert, what you do next will depend on the type of alert. As an example, if you receive an alert that there has been a new inquiry made on your report, then you’ll need to consider a few things first. If you’ve recently applied for credit, then the alert could due to your application. But if you find that the inquiry was not due to any action you had taken, then you should call the company listed on the credit inquiry immediately. It’s important to stay up-to-date with these alerts and take the necessary steps to address them when 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.