• TransUnion
  • Equifax
  • Experian

Your Learning Center

Looking for what factors go into determining your credit scores? Or maybe what data is on your credit report? Pairing up with’s credit membership you benefit from access to all three of your credit scores and reports, as well as assistance in understanding those scores and reports.

Your credit report is a summary of your credit scores. This information is also known as a number that represents the level of financial reliability you’re at. 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.

Because you are now aware that your credit report is based off your credit scores, you also know those scores are based on certain factors. Here is some of the score factors that impact where your credit scores stand are listed below.

  • New lines of credit opening
  • High amount of credit inquiries
  • Revolving credit balance too high
  • Shortage of mortgage accounts
  • Credit delinquencies

Your credit scores may be used in different ways by companies. Creditors, employers, insurance companies, and finance companies are some of the most frequent companies that use your credit scores for creditworthiness. Once companies have your scores it allows them to quickly determine your approval/denial. If they want a closer look, Creditors can even get a full credit report to view even more information.

Your credit reports from Experian, Equifax, and TransUnion allow lenders to see specific information about your credit history. These industry-specific scores may differ from one agency to the next, which is why it’s important to get access to all three of your scores. Also, lenders may choose different agencies to base their decision on.

It is possible and we encourage it! The quickest way to see your own report is to go to This will give you access to all three of your scores from all the agencies. Most aren’t aware, but by federal law you’re actually entitled to a free viewing of your report once a year.

Keep in mind, viewing your reports is very different than credit monitoring. To gain access to your full reports and have 24/7 monitoring of those reports you need to sign up for Another important benefit is learning about changes in your scores or reports by credit alerts in our members-only portal.

Typically, your credit reports are updated each month, but 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 suggestion to check your credit reports regularly to stay informed.

Basically, credit monitoring is a service that monitors a person’s credit 24/7/365 for any updates or changes in their profiles. As mentioned above, some of these changes could be new credit inquiries, missed or late payments, and more.

If you are a member, you will be alerted in our member portal if we see any changes in your credit profiles. Credit monitoring can really help people guard their scores from identity theft and stay alerted on any changes. Without credit monitoring suspicious activity could be occurring without you knowing!

When a financial company requests information to determine your creditworthiness that is considered a credit inquiry. Pieces found in your credit report will be used by financial companies to allow them to decide how much credit, if any, they should issue you. The most common credit inquiries are when people apply to financial companies for auto loans, home loans, or even new apartments. Keep in mind, companies are not allowed to inquire for your credit profile without your permission.

24/7/365 access to your credit scores and reports is included in your membership. As well as 24 hour credit monitoring, portal credit alerts, access to our credit learning library, and more!

Once you enroll with your credit scores and reports become available. After enrollment you will be redirected to our dashboard page of the members-only portal. You can explore your membership benefits and more by using the tabs.

In the member portal on the dashboard, click the tab titled “3-Credit Alerts” on the top portion of the page. There will be a tab showing the alert that you will need to click on next. These alerts are time sensitive; thus it’s important to check your portal frequently for alerts.

Depending on the type of credit alert you have received there are different options on what to do next. If the alerts states there has been a new credit inquiry made you will need to think about if you have applied for any type of credit recently. If you have, the alert was from you. However, if you haven’t applied for credit recently you should call the company listed on the inquiry right away. Staying up-to-date on these alerts is important so you can address concerns in a timely manner.

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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.