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
  • Fix Credit Report Errors
  • Identity Theft Insurance
  • 3-Bureau Credit Monitoring
  • FICO Score Available
  • Online Credit Education
SuperMoney.com 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...


Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

I was a total dorc when I first came to this site looking for answers about my credit and my finances in general. I have to admit that I used to be pretty hopeless. After I started using the site and reading their stuff online and listening to their suggestions, I found that everything started to make a whole lot more sense.

0 votes

As other people mentioned, the large range on the credit score is really not all that helpful. I mean there is a big difference between a score of 600 and 650. You can get a whole lot more credit with 650 than you can with the prior number. So I kind of felt like this is not all that helpful.

0 votes

Free for your credit score, but not free for your three-bureau report. The three-bureau report is really important, as it gives you a full view of what is going on with your credit. I would suggest getting it, but like I said, don't expect to get your report for free here, because it's not.

0 votes

They don't ask for money here, so in those terms, it's not a scam. But I'm not so sure about the credit score I get from them. I know that it's different than the one I got recently when I was turned down for a loan. I think that was my FICO score. Pretty good site, though.

0 votes

I signed up for this place to get my free credit score, of course, but I ended up using it to ask their experts some questions about my credit. I've done this several times, and it has been super helpful. I wish I'd known about this place sooner--it would have made my life so much easier.

0 votes

One of our administrators went over to Credit.com and several of the mods went with him. It's not a scam so to speak. Now I wouldn't waste my times with the scores they will give you, they are FAKOs and no creditor out there will use those scores. I've not dealt much with their services but I don't believe it to be a scam.

New Review for Credit.com

Rate your experience: