Last Updated: 04/18/2025
SuperMoney User Recommendation Score -87
Strongly not recommended8 total votes
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Highlights
Community Rating
Strongly not recommended
Identity Protection
N/A
Monthly Service Fee
$0(Verified 06/21/2024)
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Number of Reviews
Credit.com Review
Credit.com Pros & Cons
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Credit.com FAQ
What is Credit.com?
Credit.com, Inc is based in San Francisco, CA and was founded in 1996. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as Credit.com.
How much is Credit.com?
No, Credit.com doesn't charge a monthly fee.Does Credit.com offer a trial?
No, Credit.com does not offer a free trial. However, that's not a problem because it already provides free credit monitoring services.How accurate is Credit.com?
Credit.com is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports. However, Credit.com only offers access to Experian's credit report.
Credit scores also vary depending on the model used, such as Vantage or FICO®. Credit.com does not give you access to your FICO® Score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.
How often does Credit.com update?
Credit.com does not specify how often it updates credit reports.
What features does Credit.com offer?
Here is a summary of the features Credit.com offers.
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| Credit Bureau Reports | Experian | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Credit Monitoring Features |
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Does Credit.com offer identity protection?
Credit.com does not provide identity protection services.Does Credit.com, Inc help with fixing credit report errors?
No, Credit.com, Inc does not help with credit report error disputes.Does Credit.com, Inc help you put a credit freeze on your credit report?
No, Credit.com, Inc does not help you put a freeze on your credit report. This article provides a detailed step-by-step guide on how you can do it yourself.
How to contact Credit.com, Inc?
The easiest way to contact Credit.com, Inc is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. click here.
How to cancel Credit.com membership?
To cancel your Credit.com, Inc membership, log in as you usually do. Go to your profile or account page and request a membership cancellation.
How can I join Credit.com, Inc?
- Visit the Credit.com, Inc website.
- Fill in the enrollment form. You will typically need to provide general financial information, such as your name, Social Security Number, and address.
- Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -87, or 1.3 on a 5-point rating scale.
-87
-1000+100
No one recommends
Everyone recommends
Credit.com Community Reviews
Would you recommend Credit.com to your friends?
John D.
Apr 18, 2023
May or may not recommend
Scam, scam, scam! This company charged my wife and I 3 times on the same day we signed up for their "7 day free trial". Then on top of that we couldn't remove our credit cards after cancelling! Either they have some major billing issues in their system or they've been taken over by Indian scammers. Regardless we are cancelling our cards and getting new ones, then we will file ...Show More
ES
Erin S.
Jun 22, 2022
May or may not recommend
Well let’s see your not completely honest with your clients who sign up for a 7 day charge and pre authorize the charge that then takes 1-2 days to be out back into your bank account. These days if people can afford it they wouldn’t care about the free trial!! Hence free but oh we will charge you then give you your money neck 2 days into your ...Show More
U
Anonymous
Aug 5, 2019
May or may not recommend
This company is being sued for bad business practice and poor morals. They take your money without any guarantee of helping your situation.
JC
Jessica C.
May 29, 2019
May or may not recommend
I gave them my card number to start up a account and told the lady I dont get paid for a few days but she said they wouldn't run the card till then but they ran it anyways and put my account in the negative and then told me they cant refund me anything cuz they didnt take any money I refuse to use these guys again they are ...Show More
Tara S.
Jan 4, 2019
May or may not recommend
Their customer service is horrible. I applied for refinancing through open road lending and was denied. Apparently this company works for open road lending. They called me while at work four different times in a three hour time frame. I was curious as to who it was so I called back. The rude representative didn't identify herself or explain what the company does. She just starts asking the same questions ...Show More
U
Anonymous
Jan 10, 2018
May or may not recommend
They cheat on your score because my letters will be change as a A B or C.And they will take your score down not good.
U
Anonymous
Apr 4, 2015
May or may not recommend
I signed up for this place to get my free credit score, of course, but I ended up using it to ask their experts some questions about my credit. I've done this several times, and it has been super helpful. I wish I'd known about this place sooner--it would have made my life so much easier.
Madeline T.
Mar 6, 2014
May or may not recommend
One of our administrators went over to Credit.com and several of the mods went with him. It's not a scam so to speak. Now I wouldn't waste my times with the scores they will give you, they are FAKOs and no creditor out there will use those scores. I've not dealt much with their services but I don't believe it to be a scam.
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