Review > Credit Monitoring

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What is & how does it work? helps people make smarter financial decisions by providing a free credit score, interactive tools, education, and unbiased comparisons of quality financial products and services. Credit affects many fundamental aspects of our lives. However, an estimated 125 million Americans can't accurately estimate their credit scores within 50 points, though that's often the difference between getting approved or denied for a loan, mortgage, or apartment.'s mission is to change that by providing consumers with valuable tools and information that allow them to effectively manage their credit portfolio with as much attention and care as their investment portfolio. pulls your credit information every 14 days from Experian, one of the three major credit bureaus. They also pull your Vantage 3.0 score and when you sign up, you have the option of purchasing your FICO score and all three credit reports from Experian, TransUnion, and Equifax (but you are entitled to a free report once a year through

Based off your score and the information provided by Experian, will analyze your reports and let you know how you’re doing with your payment history, your credit utilization, credit age, new credit (inquiries), and credit mix-the five factors that make up your credit score. Once they do this, they will provide you with a personalized action plan that can help you build your score and ultimately, maintain good credit.

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Credit Bureaus
Free credit score, monitoring, advice on credit cards, loans, & credit repair Summary
It’s important that you have access to your credit score, especially since it's not part of your free credit report with After all, it’s a number that lenders, landlords and others use to evaluate your credit worthiness.'s philosophy is that you should have access to your own information, without having to pay for it each time, or cause any negative hits to your credit. With, you get a free credit score from Experian, the most comprehensive credit bureau in the U.S., and the best part is, checking it through doesn’t cause any hard inquiries, so you won’t hurt your score by doing so.
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