Need a Little ExtraCredit? We Can Help

We all know that we learn and change as we go through different stages of life. But did you know that our credit score changes right along with us? So the attention and care we give to our credit score needs to change, too. You probably have a score in mind that’ll be the perfect score for you, but it might feel elusive because you don’t know where to start. But it’s actually not that elusive. You can learn how to reach your financial goals and the credit score you want, but you might need extra tools to help you know how to get there.

That’s why ExtraCredit exists. We made specifically for you, to help get you get where you want to be. And we’ve got five killer features all in one place targeted towards helping different parts of your credit and financial goals:

Now, you might be wondering: is ExtraCredit really for me? Your credit might be where you want it to be. Or you might not need a new line of credit. But ExtraCredit is for everyone, no matter where you are in life. The fact is, different age groups might benefit from different features more—although all five features really are for everyone to monitor their credit needs.  

New to Adulthood? Build It Can Help

Ah, adulthood. If you’ve just turned 18, you’re probably excited to get started in your life. Maybe you’re going to college or maybe you’ve decided to join the workforce right away. Either way, you’re might be pretty aware of the new financial ability you have to take on.

Chances are, you haven’t even thought about your credit score. So it might be a bit low, or even non-existent. And that’s okay! But now that you’re beginning your adult life, it’s time to give your credit score some thought. 

You see, you need your credit for a lot—getting a credit card, auto loan and even renting an apartment. If you’re ready to build credit, but you don’t have the credit score to get a credit card, Build It can help. 

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    Are you paying rent? How about utilities? Or maybe you have a Netflix subscription? Build It will track down all those payments and report them to the credit bureaus. That adds more to your credit to help you get the credit history and score you deserve by considering those payments you are already making. As you establish more of a credit score, you can start looking to get all that adult-y stuff, like a credit card or even a mortgage. 

    Parents of Young Kids Will Love Reward It

    We salute all the parents of younger kids out there. In between juggling school, work, after school activities and keeping up a clean house, you have a lot on your hands. You could probably say the same about your finances, too. 

    Let’s face it—kids are expensive. And as a younger family, you probably have a ton of other expenses on top of financial goals. You might want to get an auto loan for a car that all the kids can pile into. Or maybe you want to get another credit card. You couldjust go ahead and apply for those lines of credit anywhere—or you could use Reward It.

    Here’s how it works: once you sign up for ExtraCredit, you’ll get a credit card preloaded with five dollars. In the meantime, we’ll analyze your credit and find offers best suited for your score. After you qualify for the offer, we’ll split the reward with you. That means we’ll send up to $165 in cashback rewards straight into your ExtraCredit debit card.

    Features of ExtraCredit

    That’s money you can spend on new toys, school supplies, clothes oryou could treat you and your spouse to a little special something. Either way, you’ll get credit offers and real money that you can spend towards you and your family. 

    Ready to Retire? Guard It Will Keep You Safe

    You’ve been working hard your wholelife—for your family and your job. Whether you’re getting close to retiring, or you’ve already retired, you’re probably ready to kick back and relax. And we want you to enjoy your retirement, too!

    But there’s probably something you should know. In 2017, the FTC reported that senior citizens compromised 35% of fraud complaints and 18.9% identity theft cases. Yes, we know that you aren’t a senior citizen. In fact, you’re probably thinking that we’re jumping the gun, right?

    Here’s the thing: getting your identity stolen isn’t just a minor inconvenience. People who steal your identity can literally take your identity. That means they can open up credit cards in your name and potentially ruin your credit, as well as rack up tax debt in your name. If you fall victim to identity theft during your retirement, it could throw all your plans of rest and relaxation for a loop.

    guard it extracredit

    So what can you do? Guard It is here to help. Sure, criminals nowadays are sneakier. But we’re smarter. Guard It provides killer identity theft protection with three lines of defense against cybercriminals: Dark Web Monitoring, Compromised Account Monitoring and Identity Theft Insurance.   

    We’ll cover all your bases. Dark Web Monitoring continually scans the dark corners of the internet for breaches of your personal data; Compromised Account Monitoring will help catch unauthorized bank changes and open accounts; Identity Theft Insurance provides a $1,000,000 policy to protect you from financial harm.

    Basically, we’ve got your back. Get ready to enjoy your retirement in peace. 

    Ready to Pull Out of a Slump? Restore It is Here for You

    Look, we’ve all been there. Maybe you’ve fallen behind on credit card payments in the past and you don’t know what should still be on your credit report. Maybe you know you have some inaccurate information on your credit report and aren’t sure what to do. Either way, your credit isn’t where you want it to be. 

    You already know this, but you need a decent credit score for a lot of stuff. You don’t want a few blemishes on your credit score to hold you back. And neither do we.

    Luckily, Restore It can help. You’ll get connected to one of the most effective and encompassing credit solutions— Restore It will give you a serious discount to or another one of the leaders in credit repair, and you’ll be able to reap the benefits of a proven credit repair process. 

    Use Track It at Any Age 

    No matter what stage of life you’re currently in, you need to check your credit score. Let’s say you’re applying for student loans. Or maybe a mortgage. You couldgo ahead and apply without knowing your credit score. But the tricky thing is, most lenders will make a hard inquiry into your credit to see if you qualify. That’ll ding your credit score.

    If your credit score is already iffy, and you’ll get a ding due to a hard inquiry for something you didn’t qualify for to begin with, you just went through a credit score drop for nothing. That’swhy you need to know your credit score. Plus, you’ll need to keep an eye on any other suspicious dips in your credit report.

    Here’s another thing to keep in mind: you actually have more than one credit score. So you’ll actually need to keep track of all your scores. Feeling overwhelmed yet?

    Don’t. Because Track It is here to help. It’s a credit monitoring service that’ll track (see what we did there?) 28 of your FICO scores. You might not have even known that you had 28 FICO scores. But you do, and we’ve got them. Plus, it’ll show you your credit reports from all three credit bureaus. 

    You’ll also get your credit report card, which dives into the five main factors that play into your credit score. Andyou’ll get advanced credit monitoring and alerts, because we’re just that careful.

    ExtraCredit is Here to Help—No Matter Your Situation 

    Honestly, it doesn’t matter what your age is or what situation you find yourself in. ExtraCredit can help. And sure, there are other similar products out there. But none of them give you identity theft protection, cashback rewards and a credit monitoring service, all while giving you tools to help you build credit—all for $24.99 a month. 

    Trust us, you won’t want to pass up on an opportunity like that. So let’s get you started—sign up for ExtraCredit today.  

    Disclosure: and are both owned by Progrexion Holdings, Inc. may receive compensation if a subscriber signs up for services. 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.

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    The 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,, 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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    The 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, 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 in general and they result in more traffic to us as well.

    Our Business Model’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, 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 are also able to register for a free 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, 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 You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and 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.

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    - The Editorial Team