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Overview is owned by, Inc., which is part of Experian: one of the three national credit reporting agencies. The website is very similar to, another website owned by Experian offers a wide range of business services but is best known in the United States for its credit and financial services. Experian employs over 17,000 people and had a net income in 2014 of $754 million. Experian Consumer Services, the credit reporting arm of the company, was started in 1993 and is a BBB accredit business with an A+ rating. Apart from and, Experian also owns, and several other credit reporting websites., Inc. started operating in 1995.

What Services Does Offer? provides full credit reporting and monitoring services. This includes unlimited access to your Experian report, a one-time snapshot of your Equifax and TransUnion credit reports, bi-monthly score monitoring and alerts from Experian, $50,000 identity theft insurance, a score simulator and access to Experian's CreditSafe and ChildSecure programs.

ChildSecure is a special identity monitoring service for children that monitors any suspicious records that could indicate someone is using your children's personal information. CreditSafe is a credit card recovery service that keeps your credit card information on a registry and will take care of canceling and renewing your credit cards, if they are stolen. provides users with their FICO Score 8 credit score. This is a popular credit score many lenders use. Around 90 percent of lenders use FICO scores when assessing the credit eligibility of borrowers.

How Does Work?

The two main services offered by is Experian's Credit Tracker: a monthly subscription service that offers credit monitoring and reporting services on Experian's credit data, and Three-Bureau Credit Report and FICO scores .

As with all credit reporting companies, users must confirm register an account and confirm their identity before they can access credit scores and reports. This requires users to provide personal information, such as name, date of birth and Social Security Number.

How Much Does It Cost?

The Three-Bureau Credit Report and FICO Scores costs $24.95 and purchasing it automatically enrolls customers into Experian's Credit Tracker, which also costs $24.95 a month for as long as you are member.

How is Better/Worse Than Other Credit Reporting Companies? provides full access to credit reports, FICO scores and daily monitoring from the three main credit reporting agencies when you first sign up and ongoing monitoring of their Experian credit report. This gives users a complete picture of their credit profile. is owned by Experian, one of the three national credit reporting agencies and a worldwide credit and risk assessment specialist. Experian has been in business for over 22 years and has an A+ rating with the BBB. highlights the importance of daily monitoring of your credit but only includes it for Experian's credit data. Access to the credit reports and scores of all three bureaus is a one-time thing. Existing customers only receive daily monitoring and unlimited access of Experian's credit report and must pay a one-time fee of $24.95 every time they want a Three-Bureau Credit Report and FICO scores. If all you want is access to your credit reports and scores, you can try Experian's's free trial and try your luck at cancelling it before the 7-day trial ends.

This is not clearly explained on the website. Subscription details are confusing and are written in such a way that new users could easily assume credit monitoring, reporting and scores would continue to be for all three bureaus. Many customers also complain they were led to believe this was a one-time product and were unaware they had been enrolled in a monthly subscription.

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

Max Monthly Fee $24.95
FICO Score Available  
Online Credit Education  
Identity Theft Insurance  

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