Your Credit Learning Center

Maximize your membership by knowing what your credit scores are, how to access your credit scores & reports, what goes into calculating your scores, and more.

A credit score is a number calculated by your credit history that determines your financial eligibility. Lenders use these scores to help them quickly decide on your creditworthiness. Financial institutions want to know how likely you are to repay what you’re borrowing from them and if you are going to make your payments on time. When it comes to the credit scores- the higher the number of your score, the higher your odds of getting approved is.

Because credit scores are so important in our financial decisions during our lives, it’s important to understand what makes them what they are. Basically, the information in your credit report goes into a number. That number is your credit score. The factors that decide your scores are listed in order of the degree to which they affect your score negatively, meaning that the factor listed on top is what most decreases your score. These examples are:

  • Number of credit inquiries
  • Credit delinquencies
  • Newly opened lines of credit
  • Your revolving credit balance is too high
  • No mortgage accounts

Yes, credit scores can be one of the most-used tools by creditors, employers, insurance and finance companies. These sorts of companies often rely on credit scores when they determine a person’s creditworthiness. Of course, creditors can also choose to get your full and complete credit report as well, in order to review and assess a more complete set of information to help them decide on your level of risk.

Each of the credit reporting agencies– TransUnion, Equifax, and Experian – will offer industry-specific scores when checking a person’s credit. These kinds of industry-specific credit reports allow lenders in specific industries to get a better assessment of the specific factors that are often in a person’s credit. For example, if a lender is working in the automotive industry they might request a score model that is going to evaluate an individual’s auto loan payment history. This specific score is going to be based on the data available with that agency, and might be different from one agency to another. Please remember that credit score ratings can also be different, depending on the score model that is being requested, such as auto, mortgage, etc.

You are entitled to view your credit report once a year for free at In this report you will find your credit reports from all three bureaus- Equifax, Experian, and TransUnion. Because you are only entitled to one free viewing once a year, we recommend joining to see your reports each month. We’ll also monitor your reports for you and notify you if we see changes in your reports.

Most of the time your credit reports get updated each month. But, because bureaus may update at different times of the month it can make it difficult to know you’re seeing your most updated reports. This is another reason why it’s beneficial to see your reports monthly with

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’ll see a notification in our members-only portal if we come across changes in your credit profiles such as credit increases or decreases.

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 happening and costing you extra money each month without you even knowing.

A credit inquiry can be described as any time you apply for a loan and a financial institution inquires about your credit information. This can also include when you apply for an apartment, a new home loan, or even a loan to purchase a vehicle. It’s important to know institutions can only perform a credit inquiry with your permission.

We’re so glad you asked— yes! In addition to the great features listed above, you’ll also receive around-the-clock access to your credit scores and reports, 24/7/365 credit monitoring (including credit alerts), and so much more!

Once you have successfully completed the enrollment process, you will be automatically directed to our member portal. From the portal, you can easily navigate between the different tabs near the top of the page to view your benefits.

Viewing your credit alerts is easy. All you need to do is log into our portal and look for a tab at the top of the page for credit alerts. Next, click that tab and it will display any alerts you have received. Be sure to log in frequently to stay current on alerts.

The next step you’ll need to take will depend on what the credit alert is for. If you receive an alert that there was a new inquiry on your report you’ll need to stop and think. If you recently applied for credit that would explain the inquiry. However if it was not you, you should call the company listed on the inquiry right away.

Treated me right

By Aura A. from Metairie, LA

“Really great. The operator on the phone was doing such a great job, polite and very respectful. Thank you so much.“

Your people are excellent and nice

By Esther S. from Wahiawa, HI

“I really in particular liked your customer service agent. She was a very excellent professional. And very friendly.“

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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.