What Is ExtraCredit?
Is your less-than-ideal credit holding you back? Or maybe you have great credit, and you want to make sure you maintain your great score? No matter what your credit concerns are, ExtraCredit is here to help.
So what is ExtraCredit? Think of it as your credit solution that can pretty much do it all. Looking for identity protection? The right credit offers for you? Need to restore? Sure thing—ExtraCredit can do it all. ExtraCredit’s five credit tools offer you complete credit coverage:
- Track It: Review 28 of your FICO® scores to see what lenders are looking at
- Build It: Get your rent and utility payments reported to TransUnion and Equifax
- Reward It: Receive personalized offers and get rewarded every time you qualify
- Guard It: Protect your identity with comprehensive identity protection, monitoring, and more
- Restore It: Get an exclusive discount to one of the leaders in credit repair (not available in Oregon)
Here’s what you need to know about Guard It.
Protect Your Identity with Guard It
Today’s criminals are sophisticated. But lucky for you, so is ExtraCredit. When it comes to your identity, there’s always a risk that it’ll get stolen. That’s why Guard It gives you comprehensive and ongoing protection.
Identity fraud reached $16.9 billion in 2019. In fact, 5.1% of consumers experienced fraud incidents, and the FTC received 2.2 million fraud reports in 2020 alone. Feeling a little worried about your identity? Honestly, you should be. But with Guard It on your side, you don’t have to stress. Guard It offers full-coverage identity protection.
- Dark Web Monitoring: We’ll use your information to scan the dark web for any suspicious activity.
- Accounts Monitoring: Receive alerts anytime we see anything suspicious occur in your accounts.
- Threat Alerts: Every time you log in to your Guard It dashboard, you can see your real-time threat levels and take action as you see fit.
- Identity Theft Insurance: Get $1 million identity theft insurance—because you can never be too careful.
*Get a seven day trial free when you sign up now!
How Guard It Works
The risk of identity theft is real, and it’s scary. But Guard It is here to help. We help keep your identity safe with proactive alerts and scans—and if the worst happens, we’re there to support you with identity theft insurance. Don’t just take our word for it, though! Here’s how we protect and support your accounts.
Dark Web Monitoring
When you sign up for ExtraCredit, we ask for your Social Security number, credit card number, and email address. We’re not doing that just because we’re nosy—we use that information to continuously scan the dark web and other file-sharing networks for breaches in your personal information and other suspicious activity that may indicate fraud.
Accounts Monitoring
We leave no stone unturned when it comes to monitoring your accounts. We monitor for new account applications and openings, potential data leaks, and changes to personal information. And since we’re integrated with the three credit bureaus to provide your credit reports, you have an extra layer of visibility into your accounts. We’ll alert you if anything suspicious pops up, and you can check your reports yourself to confirm! This way you’ll always know if you need to put a security freeze on your credit report, reach out to a financial institution, change your passwords, or take other steps to protect your identity.
Current and Previous Alerts
We’re not taking any chances and neither should you. On your Guard It dashboard you can quickly see all your current and previous threat alerts, as well as their status. We’ll outline actions you can take to help safeguard your information and reduce ongoing threats.
Identity Theft Insurance
We’ll help you keep your identity safe, but if the worst happens, we won’t leave you high and dry. In fact, we offer some pretty comprehensive identity theft insurance—every ExtraCredit member is covered by $1 million identity theft insurance at no additional cost. Our insurance helps you with restoration costs, legal defense expenses, and lost wages. We work with you to help you get your identity back and cover any damages due to fraud.
Four Additional Features for Total Credit Coverage
Guard It is a $35 value compared to our competitors, which is a pretty sweet deal. But protecting your identity is only one part of your overall credit health. ExtraCredit covers it all. It’s basically your annual check up every single day.
Track It
We’ve got some news for you: you have more than one credit score. We’re not just talking about three different scores from each credit bureau. You’ve actually got dozens of credit scores, all seen and used by different lenders. So how can you keep up? Track It is here to help. With Track It, you can see 28 of your FICO scores and all three of your credit reports from the three major credit bureaus.
Reward It
Are you ready to qualify for credit offers and earn a little cash at the same time? That’s why we came up with Reward It. As soon as you sign up for ExtraCredit, we’ll send you a debit card pre-loaded with five dollars to congratulate you on taking the first step toward financial wellness. We’ll also analyze your credit and suggest the offers most appropriate for your credit type. It’s up to you to pick and choose which offers you actually want to apply for. Once you apply and are approved, we’ll split the payout with you and load your ExtraCredit debit card. You can qualify for individual rewards of various amounts up to $2,500!
Build It
One of the cruel ironies of credit is that to improve your credit, you need different lines of credit. But to get different lines of credit, you need a good credit score. Sound familiar? That’s why Build It will report your rent and utility payments to TransUnion and Equifax, so you get credit for the bills you are already paying. You add more to your credit history and your on-time payments could help you improve your score.
Restore It
So your credit report has a few errors. Guess what? So does pretty much everybody’s—because no one’s perfect! Luckily, you don’t have to tackle those inaccuracies alone.If you see an error on any of your credit reports, you can jump right over to Restore It, which offers an exclusive discount to one of the leaders in credit repair. You’ll have someone dedicated to disputing any inaccuracies on your report.
FAQs
How Much Does ExtraCredit Cost?
ExtraCredit costs $24.99/month, and you can cancel anytime. For a limited time, you can sign up and get the first seven days free.
How Do I File a Claim?
Filing a claim is easy! Just click on the Identity Theft Protection icon on your Guard It dashboard. Click “Request a claim” and answer three simple questions about what happened. A claim specialist will contact you within 48 hours.
*Your seven-day trial will begin after you submit your ExtraCredit® sign-up. After your trial period, your subscription will automatically continue on the same day every month as the day you started your trial membership. The credit card you provided will be charged $24.99 (plus any applicable tax) monthly after your trial period unless you cancel. You may cancel at any time by downgrading your service level in your settings or by contacting us at support@credit.com. Dishonored payments will result in an automatic downgrade to the free credit.com product. Available to new ExtraCredit customers only.
