Your Credit Library

Your membership gives you so much in addition to the latest scores and reports from all 3 national credit bureaus--you’ll also have access to our exclusive credit resources that better help you understand credit scores, credit reports and the benefits of credit monitoring. We provide the foundation you need to develop productive credit habits and awareness.

A credit score represents all the information in your credit report in the form of a number. Determining the numerical value of your report helps lenders quickly determine your creditworthiness. Higher scores are more likely to get loan approval as well as better interest rates.

There are specific "score factors” that make up your credit score. These factors influence your score either negatively or positively. The amount of debt in your name, the number of credit inquiries you have, the history of your payments, the various types of credit you use, and the length of time the credit has been active, are the factors in your credit reports that are impacting your credit scores.

Well, financial industries, creditors, employers and insurance companies all use your credit scores for a many number of reasons. It’s the most useful tool to help them make quick, informed decisions on your creditworthiness.

Keep in mind that while some companies choose to work with all 3 bureaus, others may choose to focus exclusively on scores/reports from a particular bureau. There are not set rules regarding and can change depending on the size, specific industry, or even the location of a company.

Yes you can! In fact, we encourage people to do just that. A simple way to get it yourself is to visit because federal law entitles you to one free credit report from all 3 credit bureaus every 12 months.

As identity theft and data breaches become more common, many people want access to their credit information more than once a year. With a membership, you can check your credit reports at anytime, and you’ll also get 24/7 credit monitoring across all three credit bureaus. We even automatically alert you any time we see changes in your credit profile.

Credit reports are updated monthly but, creditors don’t all submit at the same time during the month. So it is important to continually check your credit to make sure you’re credit report took into consideration creditors who submitted their updates closer to the end of the month for example.

Credit monitoring is a service that continuously monitors someone’s credit for unanticipated changes like new inquiries, missed payments or even new accounts.

Our credit monitoring services keeps tabs on your credit on a daily basis. That’s a lot of reassurance, more importantly, it’s all done for you. We even notify you when we find something that needs your attention.

Whether you’re financing a car, getting a loan, opening credit cards, signing a lease, etc, when you apply for credit, companies will look at your credit information to determine your eligibility. Those are called ‘inquiries’. Inquiries should never be made without your permission.

Besides getting unlimited access to your scores and reports from all 3 credit bureaus, you also get 24-hour credit monitoring service with automatic credit alerts. On top of that you also have unlimited access to our expert credit education center!

Right away! They’ll be available to see immediately after you enroll with Once your enrollment is complete, you'll be able to access them from the dashboard of your member portal

If you look at your dashboard you’ll see a “3-Credit Alerts” tab. Click that to view any credit alert or notification.

Once you review the alert, you should pull up your report and confirm whether or not what showed up on your report is accurate. If you are not able to confirm that the inquiry was linked to you, then we recommend you contact the company listed on the inquiry right away. Actively checking these alerts will help you resolve any inaccurate items that could be negatively affecting your credit health.

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Important Information: The credit score(s) you receive from us may not be the same scores used by lenders or other commercial users for credit decisions. There are various types of credit scores, and lenders may use a different type of credit score to make lending decisions than the ones being offered.

Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

After verification of your identity, your scores are available for immediate online delivery securely. Scores shown are for illustrative purposes only. provides you with the tools you need to access and monitor your financial profile through the program's credit reporting and monthly monitoring benefits. Credit Monitoring and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses. Credit information is provided either by Transunion® and TransUnion Interactive, Inc. or Experian and CSIdentity Corporation.

All product and company names and trademarks mentioned herein are the property of their respective owners.