Your Learning Center

We know it's a lot of information to take in, so let's help you understand it! With your Membership please use this Learning Center to learn more about your credit scores, reports, and credit monitoring services that are provided to you with your credit membership.

Your credit scores is an up-to-date summary of your credit report. The information in your credit report is calculated as a single number that represents your level of financial reliability. Your score helps lenders to make assumptions concerning how likely you will be to repay your loans or make your credit payments on time. The higher your score, the more likely you are to get the credit for which you are applying.

By now you know that your credit score reflects your credit report. Everyone understands that their own credit score is an important number in their lives. Your credit score is an incredibly important number that is calculated using an equation that evaluates multiple data points, called “score factors”. To finalize your credit score, they compare your information with credit patterns from other credit reports.

Score factors can have a huge impact on your final score. Below we’ve listed a few factors that are regularly used for this purpose.

  • Credit inquiries
  • Credit delinquencies
  • New lines of credit
  • High average balance of revolving credit
  • Few mortgage accounts

Your credit score is used for multiple reasons. That’s why your credit score is used by finance companies, creditors, insurance companies, and even employers. Companies routinely look to credit scores to determine a person’s creditworthiness. This helps them make quick credit decisions and decide whether or not to work with you. Creditors can also access your full credit report if they need more information about you.

TransUnion, Experian, and Equifax also offer industry-specific credit scores. Industry-specific reports help lenders get more specific information on a person. An example would be how auto lenders use credit score models to review and evaluate your history of car payments.

Industry-specific scores are always based on available data in the records of one specific agency, so it’s possible that this data will end up differing from one agency to another. Remember that all credit score ratings can differ, depending on the score model that is being requested (such as auto, renters, mortgage, etc).

It’s always a good idea to check your credit report on a regular basis. A quick way to see your own credit report is to visit You’ll be able to log in and view your credit report from all three credit reporting agencies. By federal law, you’re entitled to view your credit report for free once per year. But it’s important to realize that checking your credit report is not the same thing as credit monitoring. If you’re looking for the added security of 24/7 credit monitoring, you’ll want to sign up for Our service not only allows you to view your credit report any time and anywhere, but it also monitors your report across all three credit bureaus. That way, if we ever detect any suspicious or irregular activity, we’ll be able to inform you of it immediately.

Credit reports are typically updated on a monthly basis, but the day of the month will vary between creditors. Because of this irregular schedule, some agencies receive updates from one creditor on the 12th of the month and from a different creditor on the 29th of the month. This is why it’s a good idea to check your credit report on a regular basis. That way, you can check it on any day of the month.

Credit monitoring is pretty simple. It’s a service that continuously monitors your credit report for unanticipated changes and/or updates. These changes and updates may appear unexpectedly on your report, and can include new credit inquiries, missed payments, or even brand new accounts. Members of are contacted immediately if any of the items mentioned above appear on their credit. That’s why credit monitoring is such an effective weapon against identity theft. With credit monitoring, you’ll get updates if anyone ever tries to open an account under your name. But if you don’t have credit monitoring, you may run the risk of someone creating debt in your name.

Credit inquiries occur when a financial company submits a request to receive additional information about a person to help them better determine a person’s creditworthiness. Certain elements found in your credit report will help them make decisions about how much credit they should issue you. Some of the most common inquiries occur when people apply for auto loans, home loans, or new apartments. But remember, these inquiries cannot take place without your permission.

Our members get unlimited access to their credit reports, credit scores, and even credit report consultations. They get 24-hour credit monitoring and credit alerts any time changes are made to their credit reports. They can even take advantage of our credit education library. And when you sign up, you can enjoy all of these perks, and much more!

You can view your reports and scores the moment you sign up! Once you’ve enrolled you’ll be automatically sent to the member dashboard. On the dashboard, you can easily navigate from one benefit to another by using the tabs at the top of the page.

Once you’ve logged into the dashboard, click the “3-Credit Alerts” tab at the top. Then click on any tab that’s displaying an alerts. It’s always important to check your alerts on a regular basis.

What happens next will depend on the type of alert you received. If you receive an alert that tells you there’s a new inquiry on your report, and you’ve recently applied for credit, then that would explain the alert. But if you haven’t applied for credit, then you’ll need to call the company listed on the alert to find out where the inquiry is coming from. Staying on top of these alerts and taking action when you receive them is an important part of keeping your credit safe.

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87 Lafayette Road Suite 11 Hampton Falls, NH 03844

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.