Bad credit shouldn’t define your future. Start building the life you want with a credit score you can be proud of.
Credit Monitoring
The fastest way to add points and get approved
Maximize your credit score and safeguard your privacy may help you to save money on loans.
Why is monitoring your credit important?
Safeguard Your Credit:
Credit monitoring alerts you to negative marks on your credit report and helps you identify factors that impact your score, so you can address them immediately.
Protect Your Identity:
Credit monitoring helps you detect suspicious activity and early signs of identity theft by notifying you of address changes, credit inquiries, and new accounts.
Our Community Loves Our Credit System Because It Simple Works...
our community love our credit system
Because it works!
Still Got Questions? We Got You!
Frequently Asked Questions
What is a credit report?
A credit report is a track record of both your personal and financial credit information. This includes information from public records, personal identification, and debt information. Your report will show your payment history, debt balances, items in default, collections, and who you owe money to.
Are all three important?
Each credit bureau likely keeps records of your finances and transactions. They are equally important. Employers, loan officers, and others may contact one or more of these bureaus for your information.
What is a credit score?
Your credit score is a 3-digit number between 300 and 850, which shows your creditworthiness. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.
I just signed up; what happens now?
Our professional team helps you with disputes on your credit report and provides educational tools so you can make a plan to increase your credit score. We understand that money can prevent people from fixing their credit, and that’s why we have programs that will suit every budget. Log In to the Customer Portal to get started.
How does the dispute process work?
Once you’ve identified which items on your credit report you’d like to dispute, we send letters within 3-5 business days to challenge those items. Credit bureaus have 45 days to investigate those challenges. They must respond within 60 days of the start date.
How common are credit report errors?
A study by the Federal Trade Commission found that 1 in 5 Americans have errors on their credit reports, and 1 in 10 Americans have errors that lower their credit scores.
How does the dispute process work?
There are three main credit bureaus responsible for tracking and reporting your credit information: Experian, TransUnion, and Equifax.
Will my information be protected?
Of course! Your private information will remain secure at all times. Check out our Privacy Policy for more details.
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