in Credit Monitoring Tools from

Unaffiliated Visit Site


in Credit Monitoring Tools from

SuperMoney Net Recommendation Score -75% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

0 users recommend
1 user is unsure
3 users don't recommend
Cast your vote
Cast your vote

Would you recommend to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Community Rating Strongly not recommended
Triple Bureau Credit Monitoring Not Provided
Identity Theft Insurance Not Provided
Max Monthly Fee $0

Overview is a credit services company based in San Francisco, California, that offers free credit reporting and monitoring services. It is one the few companies that really provides free credit reporting and monitoring services. The business opened in 1996 and has a staff of approximately 65 employees. is an accredited business with the BBB and has an A+ rating.

What Services Does Offer? offers a similar service to other free credit monitoring services, such as Credit Sesame and Credit Karma. provides access to two credit scores: the Experian National Equivalency score, which is the same score offered by Credit Sesame, and the Experian VantageScore 3.0, the same score offered by Quizzle and Credit Karma. However, Credit Karma uses TransUnion's credit reports and Quizzle uses Equifax credit reports. does not offer access to users' credit report, like Credit Karma does. Instead it simply gives a credit report card that grades your credit report based payment history, debt usage, credit age, account mix and number of inquiries. does, however, give regular updates on how its users' credit changes over time and creates personalized action plans to help them improve their credit score. The advice is generated automatically by an algorithm based on the information on their credit report. If you prefer receiving advice from human experts, you may ask questions to's panel of experts at no cost.

However, does not include your FICO score: the score used most lenders (90 percent) and only offers access to the credit data collected by Experian. The Experian National Equivalency and VantageScore 3.0 are only really useful for educational purposes. They give you an idea of you credit health but the Experian National Equivalency is not used at all by lenders and the VantageScore 3.0 is only used by 5 percent of lenders.

How Does Work?

Users must open an account with The registration process requires them to provide personal information such as name, date of birth and Social Security Number to confirm their identity. As well as providing credit monitoring services, also recommend products based on the information they collect from your credit data. The commissions they make on the services and products they recommend is their main source of income and allows the site to remain free.

How Much Does It Cost? offers credit scores and credit report cards for free. You do get bombarded with recommendations and you have to be okay with using your financial information to target their ads, but in exchange you get free access to your Experian National Equivalency and VantageScores.

How is Better/Worse Than Other Credit Reporting Companies? is one of the four main free credit monitoring services online. It offers a free way to monitor your credit reports: a service that could easily cost $10 to $15 a month with other companies. It has an A+ rating with the BBB.

However, the credit tools it offers are one of most basic packages among the four companies that offer free credit monitoring services. it does not allow you to actually read your credit report. You only get to see a rating of your report and this is based exclusively on Experian's credit data. It doesn't consider Equifax or TransUnion's credit reports and it doesn't provide users their FICO score either. The scores it does offer are only useful for educational purposes. If you're planning a big purchase and want to see the credit score lenders are looking at, you will need to either purchase it separately through or use a different credit monitoring company.

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...



Feature Breakdown

No Monthly Fees  
Max Monthly Fee $0
Online Credit Education  



Would you recommend to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Credit Monitoring Tools