Credit Learning Center

Make the most of your membership by understanding how to access your credit scores and reports, what credit scores are, how credit scores are calculated, what impacts your credit scores and more.

Your current credit score is the summary of all your entire credit report information, expressed as a single number. This very important single number is routinely calculated by an equation that will evaluate the many data points --- what is typically called score factors -- from credit reports from all the credit-reporting agencies. When creating a credit score, they compare this information with the patterns found in many thousands of other past credit reports and then use it to determine a credit score and identify the specific level of what is called credit risk. This single score lets the lenders know how likely it is for anyone to repay a loan, or to make their credit payments in a timely way. The higher one’s score is, the more likely it is for that a person to get the credit that they apply for.

As we all understand, credit scores are important. Your credit score is the summary of your credit report information presented as a single number. This very important single number is routinely calculated by an equation that will evaluate the many data points — what is typically called score factors — from credit reports from all the credit-reporting agencies. Every score factor has positive and negative effects on a score. Some of the specific factors that are primarily used for this purpose we have listed below by how much they affect your score, which means that factors on the list first are what lower your score the most. Some examples of these can include:

  • Credit inquiries
  • Serious credit delinquencies
  • Recently opened new lines of credit
  • The average balance of you revolving credit accounts being too high
  • Not enough mortgage accounts

Credit scores can get used in a lot of ways. You must remember that the credit score can be one of the most-used tools by creditors, employers, insurance and finance companies. These sorts of companies often rely on credit scores when they determine a person’s creditworthiness. A credit score is considered the credit snapshot these companies use when making quick credit decisions. Of course, creditors can also choose to get your full and complete credit report as well, in order to review and assess a more complete set of information to help them decide on your level of risk.

Each of the credit reporting agencies– TransUnion, Equifax, or Experian –also will offer industry-specific scores when checking a person’s credit. These kinds of industry-specific credit reports allow lenders in specific industries to get a better assessment of the specific factors that are often in a person’s credit. For example, if a lender is working in the automotive industry they might request a score model that is going to evaluate an individual’s auto loan payment history. This specific score is going to be based on the data available with that agency, and might be different from one agency to another. Please remember that credit score ratings can also be different, depending on the score model that is being requested, such as auto, mortgage, etc.

There is! In order to get your free credit report (which, by the way, you are entitled to by federal law) you can just visit At that address you can get your credit report from all three credit reporting agencies. And you can do this once 12 months. But if you would prefer instead the daily monitoring of your credit report from all 3 of the credit reporting agencies, then you can use This service will allow you to get your personal report online 24 hours a day. And if ever detects suspicious or irregular account activity, we'll contact you right away.

It is standard for creditors to submit information to the credit reporting agencies each month. Of course, it’s the day of the month the creditors submit the information that can vary. So the agencies might get their updates from one creditor on the fifth of every month and from a different creditor on the twenty-eighth of every month. That’s why it is very important to get and retain access to your own credit report each and every day.

Credit monitoring is pretty easy to understand. Credit monitoring is a service that will continuously monitor your credit report for any changes and any updates. These change and updates to your report could include new inquiries, or even missed payments, ad definitely new accounts. But when you are a member, we will contact you if any of these new alerts appear on your credit file. Credit monitoring is really a very effective tool for fighting identity theft, since you get updated immediately when someone tried to or succeeds opening an account in your name. If you don’t have credit monitoring you could be at risk that someone is going to steal your identity or create debt in your name.

What is a credit inquiry? It is when a primarily financial company requests information that is going to help them better understand your credit worthiness. These types of financial companies use the elements of your credit report that will help them decide how much credit they should or should not issue to you. One of the most common types of inquiry we have found is when you apply for an auto loan, a home loan, or even when you want to rent an apartment. Remember, these inquiries can only be made with your permission.

When you start as a member, you are going to receive unlimited access to credit reports and scores. You will also get your credit report consultations, along with 24 hour credit monitoring and credit alerts. You even get access to our expert credit education center. Also, you will get benefits that are only available to our members including full access to all 3 credit reports and scores.

Once you have completed the enrollment process, you will be automatically directed to our member dashboard. From the member dashboard, you can easily navigate between the different benefits by using the tabs near the top of the page.

First complete the enrollment process, then you are automatically directed to the member dashboard. From the member dashboard, you are going to easily navigate between all the multiple benefits just by using the tabs listed near the top of the page.

That is easy to do. When you log onto the member dashboard, you can look at the top of the page and you will see a 3-credit alerts tab. Then when you click on that tab you will see it is displaying the alert that you have received, along with a notice that you should take a moment to review the information.

What you should do really depends on the topic and the specifics of that alert. For example, if you happen to receive an alert that there is a new inquiry that is on your report, you will need to review a few data points before you take any action. As an example, if you have recently applied for credit, then the notice that you received could possibly be explained by this action. But if the inquiry you received was not caused by you, then you should call the company that will be listed on the inquiry. These steps are the same for any new accounts that you happen to notice that have been opened in your name.

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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.