Your Credit Learning Center

With you not only get access to all three of your credit scores and reports -- you are given the tools to better understand them as well. With help from our credit monitoring you’ll also learn what impacts your scores and reports over time.

Basically, your credit scores are a summary of your credit report calculated as a single number that stand for your level of financial reliability. Those scores are what lenders use to evaluate how likely you are to repay your loans, or to even make your payments on time. Ideally, you want your credit scores to be as high as possible. The higher your scores are, the more likely lenders are to approve you.

We now know our credit scores are based off items directly in our reports, but did you also know they’re calculated by “score factors” as well? The following is a list of some of the score factors that play into whether your credit scores go up or down each month.

  • New credit lines
  • High amount of credit inquiries
  • Delinquencies
  • High amount of revolving credit
  • Noticeable shortage of mortgage accounts

Companies want to use your credit score in multiple ways. In fact, your credit score is one of the most frequently used tools by finance companies, creditors, employers, and even insurance companies in the U.S. Companies routinely rely on credit scores for determining creditworthiness. Most companies consider credit scores to be accurate credit “snapshots” of that person’s creditworthiness. Companies use your credit score to help them make quick credit decisions about you. Creditors also can get your full credit report if they want to, which helps them review a larger amount of information about you.

TransUnion, Equifax, and Experian also offer industry-specific credit scores. These reports let lenders get a clearer understanding of more specific information, which they will often need when they are reviewing your credit. For example, car industry lenders use credit score models that review and evaluate the history of people’s car payments.

Industry-specific scores are based on available data present in the records of a specific agency, so it’s very possible that it will end up differing from one agency to the next. But credit score ratings can be different, depending on the score model being requested (such as renters, auto, mortgage, etc).

Yes, you can. In fact, we actually recommend everyone checks their credit report. You can visit to see your report. From there, you’ll be able to see all your reports from all three bureaus. Did you know you’re entitled to view your report for free once a year? It’s true!

Just keep in mind, checking your report is not the same as monitoring your credit. That’s where we come in. With, we’ll watch all three of your reports 24/7 for changes. Plus, you can even view your scores and alerts whenever you choose. That way, if there are changes in your scores or reports, you’ll know.

Surprisingly, credit scores change each month. The tricky part is that not all three of your credit scores are updated on the same day of the month. This is why it’s important to check your credit reports on a regular basis to keep up with your scores.

Credit monitoring is pretty easy to understand: It's a service that continuously monitors a person's credit for any unanticipated changes and updates. These changes could include new inquiries, missed payments, or even new accounts.

Of course, if you are a member, then you'll be contacted if any of the items mentioned above ever appear on your credit. This is how that credit monitoring can be an effective tool for people who are looking to fight against identity theft. With credit monitoring at your side, you'll be updated as soon as anyone tries to open an account in your name. But if you do not have credit monitoring, then you may be at risk of someone stealing your identity and running up debt in your name.

No problem! Simply put, a credit inquiry is when a financial institution requests information about you to understand your creditworthiness. These lending companies use items found in your credit reports to evaluate if they can approve you, how much they can approve you for, and in some cases- what interest rate you will receive. The most common credit inquiries are for auto loans, home loans, or moving into a new apartment. Please know, credit inquiries can only be made with your permission.

Yes, there are quite a few benefits that come with your membership. First, you’ll get unlimited access to all three of your credit scores and reports. Second, you can rest easy knowing we’re monitoring your credit 24/7. We even toss in bonus benefits like access to our credit education library, and much more!

After joining your credit scores and reports should become available right away. Once you’re successfully enrolled you will be automatically sent to our members-only dashboard. This dashboard is where you’ll be able to navigate through the tabs at the top of the page to go through all your member benefits.

If you log into your member portal you’ll see a tab on the top of the dashboard that says “3-Credit Alerts”. Click on that tab to see you alerts. We recommend logging into your account often to stay up-to-date on these alerts.

If you receive a credit alert, what you do next will depend on the type of alert. As an example, if you receive an alert that there has been a new inquiry made on your report, then you'll need to consider a few things first. If you've recently applied for credit, then the alert could due to your application. But if you find that the inquiry was not due to any action you had taken, then you should call the company listed on the credit inquiry immediately. It's important to stay up-to-date with these alerts and take the necessary steps to address them when needed.

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4259 Old Post Rd. Suite #3 Charlestown, RI 02813

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.