Credit.com 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. Credit.com is an accredited business with the BBB and has an A+ rating.

What Services Does Credit.com Offer?

Credit.com offers a similar service to other free credit monitoring services, such as Credit Sesame and Credit Karma. Credit.com 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.

Credit.com 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. Credit.com 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 credit.com's panel of experts at no cost.

However, Credit.com 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 Credit.com Work?

Users must open an account with Credit.com. 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, Credit.com 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?

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

How is Credit.com Better/Worse Than Other Credit Reporting Companies?

Credit.com 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 credit.com or use a different credit monitoring company.

  • No Monthly Fees
  • Online Credit Education
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