Customer Testimonials

We work hard to empower consumers with easy-to-understand information about credit, credit cards, scores and reports, loans, debt and more. We pride ourselves on helping you find accurate, informative, and trustworthy answers and assistance – it is part of our founding vision. But don't take our word for it. Listen to what our customers are saying about our site, our free Credit Report Card, and our regular email newsletter.

...about our site

"My success is a direct reflection of the usefulness of all the information provided by Without that information I’m pretty sure I’d still be battling the bad credit monster… . Your work and time spent doing this has been greatly appreciated."
— Respectfully, George

"Thank you! Your site,, was the best: easy and fast!"
— Hachana L.

"I am writing a book on the psychology of money and was researching your website as a resource for my readers - I will be referencing your website as the best credit site I have used. Thank you!"
— Renee W

"I am writing to commend this website! It is a great tool for credit amateurs and novices! I'm in the process of buying my first car and the website offered great tips and provided helpful information. I felt safe (regarding my privacy) using the services offered and I will most surely use this website again in the future."
— Sarah Dawson

"I just wanted to say thank you for your quick response to my loan request. Five minutes after I filled out your application online, I got a phone call from a loan company. I had the check in my hand by close of business today."
— Joseph L.

"Thank you for a wonderful and comprehensive website.  I have gained so much knowledge. Thank you."
— Nadja C.

"Thank you very much for providing all of the informative and helpful information on your website."
— Jose B.

"I have benefited greatly from your website. Thank you."
— Leanne C.

"I was really impressed with your website it gave me a lot of useful information. Thank you for all that you do."
— Alberto M.

"Thank you very much for the work that you do. Your site has a lot of information that's helpful to consumers."
— Mark T.

...about our Credit Report Card (sign up)

"I think the Credit Report Card is an excellent tool for consumers. It takes the mystery out of credit reports and scores. It's easy to request and understand. And, best of all -- it's free! I highly recommend it!"
— Marcia Brixey, author of The Money Therapist and Founder of Money Wise Women Educational Services

"Keep up the great work. Your beta makes understanding your credit score and how to improve it much easier than the bureaus do."
— Everett M

"I've found the Credit Report Card to be very useful to me, since my credit is currently rated as very bad, I'm able to see where I can improve and from the first time I do see some improvement, slowly, but improving. I will continue to use this grading as a way to keep me informed of my credit score."
— Willie P.

"Thank you very much for your great service, I can really use this information to clean up my credit score."
— Donna Preston

"Thanks! Even I could understand the report as well as the suggestions for improving my score."
— Don Young

"Thank you for the Credit Report Card. It was easy to understand. Your ability to convey the needed knowledge in each category is great. It is a great service and hope you are able to get your product out there."
— Glen Barbaree

"This is great! It makes the mystery of my 'credit report' simple to understand and in plain English. Thank you! I'm looking forward to using your product and emailing friends about your company."
— Kaloaina

"You provide a wonderful service! I've wanted to check my credit for a while, but I have been wary about the reputation of all these credit score companies. Tonight I was watching CNBC and your service came up, so I gave it a try. I'm glad I did."
— Philip C.

"Thank you for offering this service and for free! I have been struggling to pay my bills on time and have been afraid to pull my credit report. The credit report card didn't make me feel bad about my credit situation. It gave me sensible advice on how a lender would view my credit and what I could do to improve my credit score. I really liked the fact that I was graded which I can relate to and I didn't flunk in every subject which makes me feel like there is SOMETHING positive about my credit score. :) Thanks!"
— Lisa

"The Credit Report Card tool is fantastic! This is very informative for the credit consumers who are curious not only about their current credit profile, but also about how credit scores work and what they can do to improve them. For those who believe there might be something erroneous in their credit files or need to know specific details, they can then invest in the detailed tri-merge credit report. This should be required reading for every credit consumer and high-school student in America!"
— Jim Barrett

"Wow! What can I say? The Credit Report Card was informative and easy to follow. Now I just hope I can fix some credit issues shown in the report. Thanks for the info and yes, keep this program because I am sure others will benefit from its ease of use and information."
— David D.

"Thanks for the Credit Report Card. I knew it was in bad shape but I actually felt encouraged by what you had to say. I am going to buckle down and fix this mess I’ve created!!! Thanks again."
— David Santos

"I found that this report is much more user friendly and easier to understand than the typical report you usually receive... It makes more sense and shows areas that need improvement and with the grading system it helps tell you exactly where to start to build your credit. Thank you for this report."
— Audrey Oswick

"I just wanted to make a quick comment about your Credit Report Card system. I think this is an excellent free service. The information provided from the service definitely helped me understand the steps needed to improve my credit.

I just want to say Thanks!

Keep up the good work."
— Litus M.

"I just got my credit report and a breakdown of what I can do to improve my score. Thanks!!! This was really helpful, and I will work on my scores."
— Darnetta

"To Whom It May Concern:
The "Credit Report Card" generated by the use of your website is FANTASTIC! That you would be willing to generate someone’s approximate credit score range for free is really something to boast. Also, that you provide "credit score grades" and the reasoning for those grades is definitely something people can use to seriously evaluate their current credit rating and assist them with ways to improve said rating.
I’m really excited to have found your website."

— Francisco Torres, Student - University of Arizona

"I love the Credit Report Card beta program you have!  The stoplight metaphor is wonderful and easy to understand.  Your explanations for positive and negative scores and the little doses of reality are great!  I finally understand how the score is determined!  I like how you have links to explanations and easy to read articles after each section.  Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement.

I've been putting off looking up my score because places generally charge for it, and I've been so sure that my score is absolutely rotten that I haven't wanted to pay.  Who wants to pay for bad news?  But now I know my score, and it's bad, but it's not all bad.  I mean, while I have a poor credit score, I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area.  I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore.  I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score, too."
— Ginger R.

"I wanted to let you know that the Credit Report Card I received was the first time I have had an easily comprehended document that explains things so that I can understand them.  I am hopeful that once I get my medical bills resolved, I can use the report to rebuild and restructure my rating.  I just thought I should share my appreciation. Thank you for the assistance."
— John H.

...about our Newsletter

"I've been getting your tidbit newsletter for quite some time and because of it, it really has challenged me to make some sound financial decision at the beginning of this year to really target getting out of debt."
— Yolanda A.

"Thanks you so much for sending this newsletter. There were a lot of answers to my questions - you really helped me."
— Donna E.

"I find your newsletters most enlightening as I work with people looking for financing on a constant basis. This information has enlightened me and allowed me to give prospective clients a clearer look at credit criteria. Thank you!"
— Natalie O.

"Hi just wanted to let you know, your information is very appreciated. Thank you!"
— Peggy C.

"I love your newsletters. Please send me more any time you want"
— Steve M

"Thank you. Your newsletter is very helpful. My credit is really bad but I'm working to re-establish it with a small retail account that I've had for some years. Your information is good to know as I rebuild."
— Jackie H.

"I recently signed-up for your newsletter and I'm excited about the "Ask John" section. Credit report reading has always seemed challenging and I look forward to learning more about improving my credit score."
— Faye P.

"I feel that this newsletter is very information driven!  Keep it coming!"
— Franklin S.

"I enjoy receiving the newsletters and look forward to getting them. Have a nice day!"
— Amanda P.

"Thanks for everything. Your articles were excellent. Reading them and knowing that it is really my life... really makes me realize how bad off my credit is. I knew it was... but, I don't recall when it was ever documented and I read it. It really hit home hard and opened my eyes. What you wrote has really helped me re-evaluate my situation and prioritize how I need to go about helping myself out of this situation. I know it is definitely going to take time and I am up for the challenge. Your newsletter was so on time and just what I needed. I look forward to communicating more with you in the future. I will continue to read the newsletters for more advice"
— Madalyn A.

"The tips were great, keep me on your list. I am a life counselor and I have a debt management program that I teach. I am always interested in items to pass on to my clients and attendees when it comes to their financial lives."
— Jade L.

"I think your newsletter is great. Thank you!"
— Ken A