Credit.com offers credit reports for free from Experian, as well as a credit report card, action plan, advice and updates to its members. It’s meant to show you every angle of your credit so you can assess for yourself whether or not you’re experiencing any type of unauthorized activity. Through this website, you can also receive your FICO Score and constant access to your data at anytime. Get alerts when there are changes and enjoy theft protection as well for only $1.
The prices are certainly affordable, and can provide alerts and information to those who do not wish to pay the monthly fees of the higher rated plans. You can receive about the same level of protection from other companies for a much higher rate. it’s definitely better to have some awareness of your credit information, and this can increase a consumer’s protection for themselves and allow them to advise their loved one’s, all without paying out of pocket.
A score tracker is always helpful so you can see how your decisions have affected your number over time. Even without the threat of theft, you can start planning your payment schedules better with a tracker.
They also have education tools on their website that inform and update you about the risks and latest developments in identity theft, and you’ll get help should you need it from a specialist.
Credit reports are already meant to be free, and there are other sites out there that perform similar checks in terms of your score and changes to your report card. What they may not do though is give you alerts, and those can be very valuable should you forget to check on your score for even just a few days. There is no assistance if you’re the victim of a theft with the free plan, nor is there any type of insurance for stolen funds from either of their plans. When you click on the Contact Us section, it only takes you to a list of Promoted Articles, though they do offer Social Media contacts through other means. Also, if you click on the Where We Are page, there’s an address and request form as well.
This could be an excellent solution for the person who’s concerned about their identity, but doesn’t want to pay for more elaborate services. There are few identity protection plans out there though with less to offer, so you would need to have a solid plan in mind for what to do should you suffer from a breach on your data. Their educational articles and basic tips and suggestions may only take you so far.
Again, these services are basic, and not all of them are included in every plan.
Credit.com offers the following two plans. They do not appear to distinguish between the Experian Report and the Full Experian Report (listed below), so it’s unclear what the difference is. The charge of a dollar seems to be a one-time charge, and should you choose the second plan, you’ll need to sign up through Experian’s website.
As mentioned, the Contact Us page yields no helpful information. They do have links for Facebook, Google Plus, Twitter and LinkedIn, so those would likely be the best way to get in contact with them. There’s also a request form under the Where We Are portion of their website, along with the following address:
Credit.com, Inc.
160 Spear St. #1020
San Francisco, CA 94105
Should you choose the Experian Credit Report + FICO Score plan, there is the following number with hours in Pacific Time.
General Support: 1-877-284-7942