Does using this web site lower my credit score?
No. Paying for your credit report and score here will not lower your credit score. We provide what is called a “soft” credit pull and it never counts as a “credit inquiry.”
So when does my score get lowered by a credit check?
If a business pays to pull your credit report in order to make a lending decision. For example, if you apply for a loan or credit card and the bank checks your credit. This is also called a “hard” credit pull and usually lowers your credit score a little, at least temporarily. Again, our site does not do this and your score is not lowered by using our product.
What are the benefits of using this site?
You get your credit report and credit score, available to be refreshed monthly. Your membership provides you 24/7 monitoring of your credit report from TransUnion, Experian and Equifax. If there is a change to your credit report, you receive an instant email alert. You also get toll-free fraud resolution support, so if you have any type of identity or credit fraud problem, you will get complete assistance to resolve the issue so matter how long it takes (at no additional cost to you.) If are a victim of identity theft, and you sign a limited power of attorney and provide other documents, the support team will even do the entire ID theft recovery on your behalf!
What is a credit report?
A credit report, also called a credit file disclosure, provides you with the key data in a credit file managed by a consumer credit reporting company that could be provided in a report to a business like a lender or bank. A credit report also includes a record of every business who has received a report about you from the consumer reporting company within a certain period of time (also called your credit "inquiries").

Your credit report also has certain information just for you that is not included in the report provided to businesses, such as the inquiries of companies for pre-approved offers of credit or insurance and account reviews, and any medical account information.

You are entitled to receive a disclosure copy of your credit file from a credit reporting company under U.S. Federal law.
What is a credit bureau?
A credit bureau, also called a credit reporting company, is a business that collects and stores individual credit information and sells it to lenders, creditors, and consumers in the form of a credit report. The three major credit bureaus in the U.S. are Equifax, Experian, and TransUnion.

Credit bureaus receive consumer credit information from banks, credit card issuers and other businesses. When a business or person with a legal and permissible purpose requests to see a credit report, the credit bureau sells it to them.
What is credit score?
A credit score is the numerical result of a formula that uses some of the information in your credit report, such as how well you have paid your bills in the past, and how much money you currently owe, to calculate how likely you are to pay your bills in the future. Credit scores are often used by lenders like home mortgage companies.
What is a credit score used for?
Your credit score estimates how likely you are to pay back loans or services that a lender may give you during the next two to three years. Lenders use credit scores to help decide how risky it will be to lend people money or provide you a service. A higher credit score may mean you get a lower interest rate, saving you substantial cost over the life of a loan.
Who can see my credit score?
You can always see your own score from reputable products like ours. Credit reporting companies can sell your credit report or credit score to companies who have a lawful and permissible purpose to ask for it. For example, this may include mortgage lenders and credit card companies.
Are there different credit scores?
Yes. There are different types of credit scores. So, the credit scores you get from different companies may not be the same. Also, your credit score is always calculated separately for each credit bureau. Why?

Each company uses its own formulas for calculating credit scores. The differences in the formulas may lead to differences in your credit scores. Also, companies may use a different number scale for their scores.

Some of the data on your credit report is likely to be different between Experian, TransUnion and Equifax. Creditors or lenders don't always send data to every credit reporting company. So this means that data the credit bureaus use for their formulas may differ from one credit bureau to the next.
What type of credit score does this site provide?
We provide you with a TransRisk Score, which is calculated by TransUnion, one of the three credit bureaus. TransUnion's TransRisk score range is from 300 to 850. This is a very common credit score and numeric range.
What makes my credit score go up or down?
Your credit score is typically based on on the following factors.

Your payment history. This shows whether you make payments on time, how often you miss payments, how many days past the due date you pay your bills, and how recently payments have been missed. The more on-time payments, the higher your score will be.

The amount owed on loans and credit cards. This includes total amount you owe, the number and types of accounts, and the ratio of money owed to how much credit you actually have available. High balances will lower your credit score and smaller balances may raise it. New loans with no payment history may drop your score temporarily, but loans that are closer to being paid off can increase it because they show a successful payment history.

The length of your credit history. The longer you have made timely payments, the higher your score will be. It may seem wise to never apply for credit or have any debt, but it will lower your score if you have little to no credit history.

The types of accounts. If you have a mix of accounts, including home loans, retail and credit cards, and installment loans, this may improve your score.

Recent credit activity. If you’ve opened or applied for many accounts recently it can temporarily lower your score. However, if you maintain credit accounts for a long time, and pay them on-time, your score will go up eventually.
What is credit monitoring?
Credit monitoring, which is provided with our site, is a service that continuously monitors your credit report for changes. Changes could include missed payments, new inquiries or new accounts. It is also an important tool for fighting identity theft as you will be updated immediately should someone try to open a new account in your name. Without credit monitoring you are at risk of someone stealing your identity and racking up debt in your name without knowing about it.
How do I view my credit alerts?
Once you have logged in to the member dashboard, there is a link to view your credit alerts.
How often is my credit report updated?
New data can appear on your report at any time. Often creditors, like credit card companies, send information to the credit reporting agencies on a monthly basis. The day of the month that each creditor updates the data widely varies. In other words, the credit bureaus might receive an update from one creditor on the first Monday every month and from another creditor on the last weekday of the month, and so on.
What should I do if I receive a credit alert?
The action you need to take will depend on what the credit alert is about. For example, you could receive an alert that there was a new account opened on your report. If you recently applied for credit, that would explain the inquiry. However if it was not you, you should take action by calling the company listed on the inquiry or calling our customer service line.