Your Credit Learning Center

Understand how to see your credit scores & reports, understand what credit scores are, how they are calculated, and factors that may impact your scores to make the most of your membership.

Your credit score is a number that stands for how financially reliable you are based off items in your credit report. Your credit scores allow lenders to calculate the likeliness of if you will repay your loans and if your payments will be on time. Higher credit scores are more likely to help you get approved for the credit you're applying to.

Your credit scores are calculated by a mathematical equation that evaluates many types of data points (score factors) from your credit report at that particular credit-reporting agency. The factors that can impact your scores are listed in order of the degree to which they affect your score negatively, meaning that the factor listed first is what would decrease your score the most. These examples are: Too many credit inquiries, too many serious delinquencies (late payments), too many recently opened accounts, and if the average balance of revolving accounts is too high.

Creditors, employers, insurance companies, and finance companies are some of the most frequent companies that use your credit scores to determine your approval. After companies get your scores it gives them the tools they need to quickly determine your creditworthiness. If they aren't able to base it off your credit scores, Creditors can get a full credit report to view even more information.

To view you specific information about your credit history, lenders often look at your credit reports from Experian, Equifax, and TransUnion. These specific scores are usually different from each agency, which is why it's important to get access to all three of your scores. Also, lenders may not always use the same agency to base their decision on.

Checking your own credit report is easy. You are entitled to see a free viewing of your report once a year under federal law. You must go to and get your credit report from all three credit reporting agencies - Experian, Equifax, and TransUnion. We recommend daily monitoring of your credit reports from the three credit reporting agencies with You'll gain peace of mind from knowing that your credit records are being monitored daily by a trusted company. If we see irregular account activity, we'll notify you promptly in your member portal.

Usually, your credit reports are updated each month. The tricky part is not all bureaus update on the same day of the month. Because we don't know what date they will be updated specifically, it's a great tip to check your credit reports regularly to stay informed.

To put it simply, credit monitoring is a service that monitors a person's credit 24/7/365 for any updates or changes in their profiles. If you are a member, you will be alerted in our member portal if we come across changes in your credit profiles like credit increases or decreases, for example.

Credit monitoring can really help people stay informed on their scores and can guard against identity theft. Without's credit monitoring service, suspicious activity could be occurring in your account without your knowledge.

A credit inquiry is anytime you apply for credit. Some examples are applying for a new apartment, home loan, or a vehicle loan. When a financial company makes a credit inquiry (with your permission only) it gives them the knowledge to determine how much credit they can approve you for.

Beyond the top features we've listed above, you'll also have exclusive access to additional benefits like 24/7/365 access to your credit scores and reports, credit monitoring, credit alerts in your members-only portal, access to our credit learning library, and more!

Immediately after enrolling with you'll be sent to our portal where you will find your credit reports and scores. While you're in the portal be sure to navigate through the tabs to check out your additional member benefits.

Once you have logged in to the member portal, you'll see a tab at the top of the page for credit alerts. You can click that tab and it will display any alerts you have received. Be sure to log in frequently to stay current on alerts.

The action you need to take will depend on what the credit alert is about. For example, you could receive an alert that there was a new inquiry on your report. If you recently applied for credit, that would explain the inquiry, however if it was not you, you should take action by calling the company listed on the inquiry.

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Important Information: The credit score(s) you receive from us may not be the same scores used by lenders or other commercial users for credit decisions. There are various types of credit scores, and lenders may use a different type of credit score to make lending decisions than the ones being offered.

Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

After verification of your identity, your scores are available for immediate online delivery securely. Scores shown are for illustrative purposes only. provides you with the tools you need to access and monitor your financial profile through the program's credit reporting and monthly monitoring benefits. Credit Monitoring and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses. Credit information is provided either by Transunion® and TransUnion Interactive, Inc. or Experian and CSIdentity Corporation.

All product and company names and trademarks mentioned herein are the property of their respective owners.