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Much more than a free score is the only product of its kind designed by leading credit experts committed to helping you understand and master the confusing world of credit. It’s a simple, guided experience protected by bank-level security.

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At, we are credit experts who are deeply passionate about helping people navigate the mysterious world of credit and guiding them to the right decisions so that they can attain the lifestyle that they desire.

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Credit is confusing. We’re here to help.

Gerri Detweiler
Gerri Detweiler, Director of Education
For over 20 years Gerri has helped people cut through credit complexities and get the information they need to make better decisions. Here are her answers to some of the most common questions we get.
It’s a numerical expression of how well you are likely to handle credit based on information that’s been sourced by credit reporting agencies. Your credit score plays a critical role in your overall financial life, and has a direct impact on whether or not you'll be approved for a credit card, a personal loan, a mortgage or any other type of financing -- and at what interest rate and terms.
Credit scores are generally based on five areas of your credit report: payment history, debt usage, credit age, account mix, and credit inquiries. Your score (or should we say the score we provide you) is based on the data in your Experian credit report. In fact, we provide you with two credit scores – the National Equivalency Score and VantageScore 3.0.
Signing up with will net you a free credit score and a credit report card that shows how you’re doing in the five key areas of your credit that determine your credit score - payment history, debt usage, credit age, account mix and inquiries. See which factors need attention, and then follow our personalized, step-by-step plan for strong credit.
Credit cards and installment loans can help you build strong credit, but they can do a lot more. As a member of, you will be presented with credit cards targeted to your credit and goals. Have excellent credit? You may want an excellent reward card. Trying to build or rebuild credit? We’ll show you cards that may help you do just that.
The reasons credit applications are declined generally fall into these five general areas: 1) not enough credit history, 2) not enough diversity of credit, 3) a history of late or missed payments, 4) too many credit inquiries, or 5) history of high balances. Check your credit report, see what’s going on, and learn how to improve it.
While credit may not be something you think about very often, it’s often critical at key milestones in peoples’ lives. Maybe you want to buy a house…or a car. Maybe you’re all set to start a new job. Maybe your business needs a critical infusion of cash. These are moments when you DO NOT want to be surprised with bad news. That’s why we help our members track their credit over time and alert them when (and why) something changes.
Not only do our experts write about identity theft protection, we practice it constantly. The information you give us is protected by bank-level encryption on our site and systems that are monitored 24/7, all of which has allowed us to provide helpful online services with a spotless record.

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