Monitor your credit with
One of five incredible tools within ExtraCredit™
- 28 FICO® Scores
- All three bureau reports—Experian, Equifax and TransUnion
- Credit report from all three credit bureaus—Experian, Equifax, and TransUnion
- Credit factor report card
Get started with one month free*Get started for free
With Track It, you see what
We have bad news: that free credit score you got from a free service doesn't matter. Sorry, but it's true. The only credit score that actually matters is the one your lender is looking at. And frankly, your lenders aren't looking at free credit scores. They’re looking at your FICO credit score.
With Track It, you get 28 FICO ® Scores, covering auto loan scores, home loan scores, and more from each credit bureau. In other words, you see what lenders see.Get your FICO® Scores
How Track It works
ExtraCredit pulls data from all three credit bureaus.
See 28 FICO® Scores
You have more than one credit score. ExtraCredit shows you 28 of your FICO® scores, including your Bankcard Scores, Auto Scores, and those used by mortgage lenders.
Review your credit report from each credit bureau
Download a full credit report from each credit reporting agency, updated monthly. See your positive accounts, late accounts, payment history, credit inquiries, and more.
See detailed score factors
Review each of the five factors that affects your credit and see how you’re doing. Keep an eye on your payment history, debt usage, credit age, account mix, and credit inquiries reported to each bureau, all in one place.
Track your credit history
Track how your credit score has fluctuated over time based on your activity and habits. This can help you keep an eye out for suspicious activity.
basic credit monitoring
There are a lot of free credit monitoring services out there, but none of them come close to the level of credit monitoring that ExtraCredit provides. On top of 28 FICO® Scores, Track It offers a detailed credit report card for each credit bureau, a credit history timeline, and details on your personal credit score factors. Together, all this helps you stay on top of your personal information. We’d like to see another credit monitoring service that can do all this.
|28 FICO® Scores|
|TransUnion credit report|
|Experian credit report|
|Equifax credit report|
|Credit reports and scores updated monthly|
|Credit report card|
|Four additional ExtraCredit features (including rent reporting, credit card rewards, identity theft protection, and discounts to credit repair services)|
Everything you need to monitor your credit.Sign up for free
A generic credit score that lenders may never see.
Everything you need to master your credit.Sign up for free
Potential benefits of using Track It
Track It lets you stay up to date on your FICO scores and credit reports across all three credit bureaus. You know when one of your scores goes up and others go down. Knowing what’s being reported to each credit bureau helps you stay on top of potential identity theft.
Learn more about credit monitoring:
Track It is just one of five incredible tools within ExtraCredit.
Total credit coverage.
- $1M identity theft protection insurance
- Dark web and identity monitoring
- Proactive credit alert and security alerts
- $5 signup bonus
- Actual cash rewards when approved by credit card and loan lenders
- Personalized credit card, personal loan, and auto loan offers
- Exclusive discount to one of the leaders in credit repair who works with each credit bureau and your creditors, where available
Don’t settle for anything less than ExtraCreditSign up for free
How much does ExtraCredit cost?
ExtraCredit costs $24.99/month and you can cancel anytime.
While Track It covers only one part of your credit, ExtraCredit has four tools, including additional credit monitoring services, identity theft protection tools, and other tools to help you take control of your financial future.
See why so many are choosing ExtraCredit
"Coming from a different country, establishing my credit took a lot of work. ExtraCredit takes care of all parts of my credit. I like that I can build and protect it at the same time."
"People talk about credit scores like there’s only one, but that’s just not true. I love that ExtraCredit shows me 28 different scores and was shocked to see a 40-point difference between two of them."
"I can access all three of my credit reports every month with ExtraCredit. I like having access to all that important information at my fingertips."
"I pay my rent every month and it’s great that I can finally get credit without owning a home. It's nice to see positive tradelines get added to my credit report."
"I am new to credit and Extra Credit will help me build my credit score and manage all aspects of my credit in one place."
"Trying to manage my credit across five different apps was a nightmare. ExtraCredit puts everything in one place and makes staying on top of it easy. I finally feel like I’m in control of my credit."
* While ExtraCredit was in its early stages we had employees, friends and family trying it out. These are their testimonials based on that experience.
Credit isn’t just our name—
it’s everything we are
Created over 20 years ago
Credit.com was established in 1996 to empower consumers with important credit and financial information. Now, we're taking our dedication to helping individuals build credit even further with ExtraCredit.
Over 1,000,000 members
There’s a reason so many people continue to rely on Credit.com for all their credit monitoring needs—because it works.