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This article originally appeared on CityGirlSavings.
*This post is sponsored by Credit.com. All opinions are my own.
Whether you’re just starting out with credit, or looking to finally build your credit profile up, it can be hard to know what to do or what to look for. Trust me, I get it. After nearly 12 years of monitoring, my credit is finally where I want it to be. It shouldn’t have taken that long, but I just didn’t know what I was looking for. That doesn’t have to be the case for you, thanks to ExtraCredit by Credit.com.
Before I get into all the fun and juicy details about ExtraCredit, I want to first make sure you understand how important monitoring your credit is. Whether your credit is where you want it to be or not, monitoring your credit allows you to see what’s happening with your credit history.
Credit monitoring on a consistent basis gives you insight into your credit activity. It opens your eyes for early detection of identity theft and fraud, so you can fix issues before they become fires. Finally, regular credit monitoring puts your spending habits and patterns front and center. This allows you to start making changes or to keep doing the things that work.
Credit monitoring is a form of maintaining your good credit score – especially if it’s already where you want it to be. On the other hand, if your score isn’t where you want it to be, credit monitoring helps you see how small things, like paying your bills on time, can have a positive impact on your credit score.
Credit scores are an important aspect of most peoples’ lives. Unless you have enough cash to purchase all that you want, credit will be the only option. That’s not always a bad thing. To ensure that you’re able to borrow at the lowest rates possible, you’ll want to work to make sure your credit score is where you want it to be. Monitoring your credit will help. That’s where ExtraCredit by Credit.com comes in!
ExtraCredit is a brand-new product from industry leader Credit.com that gives you next level credit coverage, for one, low monthly fee. Sure, there are plenty of credit monitoring sites…heck, I’ve even tried a few, but nothing has compared to the new ExtraCredit monitoring features.
Not only does ExtraCredit give you insight into your 3 credit bureau reports, but it allows you to track 28 FICO scores and monitoring activity on those scores over time. Yes. There are 28 FICO scores and lenders can use a different one depending on what you’re applying for. So, when you know where you stand across the board, you can feel confident in knowing you’re informed no matter which score your lender looks at!
43 million people in America pay rent. Most don’t report their payments. With ExtraCredit, you can report things like rent, utilities and even your phone bill as credit tradelines. If you pay rent, add it to your credit profile to get the credit you deserve.
Have you been the victim of fraud or identity theft? ExtraCredit helps you guard and protect your credit by offering identity insurance, dark web monitoring (ugh, hackers), and identity alerts so you can feel confident knowing you’ll be notified instantly if something seems off.
Lastly, ExtraCredit members receive a $5 sign up bonus and ongoing cash reward offers! Not only are you monitoring your credit, but now you’re making some money too! You can sign up for ExtraCredit’s free trial and test it out for a month! Get a feel for the system and take in all of the amazing features.
If you think about all of the features I called out above, you’d easily spend $100 or more trying to keep up with it all from different companies, but with ExtraCredit, it’s all in one place for one, low monthly cost. That’s putting your money to work!
While it’s great to know that you get the most bang for your buck with ExtraCredit, it’s also important to know that lenders aren’t using scores you see on sites like Credit Karma or Credit Sesame. Only ExtraCredit gives you scores that lenders would pull. This means you can time when you seek out new credit!
Build your credit profile, monitor your progress and make money? ExtraCredit is a no brainer for those who want to take charge of their credit. Feel in control and empowered with all of the tools that come with ExtraCredit – I know I do! Have you tried ExtraCredit? What are you doing to monitor your credit score on a regular basis? Drop a comment to share!
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