ExtraCredit: The Most Comprehensive Credit Monitoring Tool on the Market

ExtraCredit was created with one thing in mind: to create an all-encompassing credit monitoring product that puts the consumer first.

Never before has there been such a comprehensive tool as ExtraCredit, and it was crafted with the goal of disrupting the saturated world of consumer finance. 

Credit can be complicated, which is why Credit.com set out to develop a tool that helps the hardest working Americans manage every aspect of their credit at an affordable price. 

“The most important thing for us is to deliver value to the consumer. The hardest working Americans at the core of our mission need a product that puts them first, and provides more than an educational score.” -David Lord, General Manager, Credit.com

It does this by tapping into five key features that make ExtraCredit stand out among other credit tools. Build It allows consumers to actively build their credit profile. It’s not a passive product. Build It allows the consumer to report rent and utilities as tradelines, so it adds to the credit profile whenever these are paid on time. 

We also wanted to put hard-earned cash back into the consumer’s hands. And that’s where Reward It comes in.

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    Reward It pays back for applying and getting approved for a credit card or loan. It starts with a $5 sign-up bonus. And there’s up to $300 in cashback rewards from personalized offers for loans, insurance, and even personal finance apps. 

    We also wanted everyone to be well-informed on exactly what their credit situation looks like. And we wanted them to see what scores actually matter. With Track It, 28 FICO® scores are there to see. Different lenders use different scores, and Track It shows what each score is used for.

    Protection is also key in the digital age, and Guard It provides identity protection solutions to give the consumer peace of mind. Guard It boasts dark web monitoring and security breach alerts. So, it adds an extra layer of protection from one of the biggest threats consumers face.

    If there are errors on the credit report and they need help, Restore It offers an exclusive discount to one of the leaders in credit repair at CreditRepair.com.

    Features of ExtraCredit

    If it’s not available in their area, Restore It also offers discounts with another leader in credit repair. It’s just one of the many ways ExtraCredit helps bring balance to your finances.

    While there are many options for credit monitoring tools out there, only ExtraCredit gives five premium key features. Plus, it handles the hard work for those that work hard for their financial future. 

    Many other companies offer just one of the things ExtraCredit does, ExtraCredit does it all.

    Find out more about ExtraCredit and the 30-day free trial here

    About Credit.com

    Credit.com provides consumers credit monitoring solutions with a team dedicated to helping simplify the confusing world of credit. Find the resources and tools you need to help give your credit what it needs and ease the path to financial wellbeing. Learn more at credit.com. Check out our blog at credit.com/blog. Like us on Facebook, follow us on Twitter @CreditExperts, and on Instagram @credit.com.

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      Credit.com receives compensation for the financial products and services advertised on this site if our users apply for and sign up for any of them. Compensation is not a factor in the substantive evaluation of any product.

      Hello, Reader!

      Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

      Our People

      The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

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      We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

      The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

      In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

      Our Business Model

      Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

      Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



      Your Stories

      Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

      Thanks for stopping by.

      - The Credit.com Editorial Team