Utilisation Is What Moves Your Score Fastest
Payment history is the biggest slice, but it is slow. Utilisation is thirty percent of your score and it resets every single month.
Take Control of Your Credit
Annual Credit Report (FREE)
- Access to all 3 credit reports (Equifax, Experian, TransUnion).
- One free report every 12 months from each bureau.
- Official government-mandated service.
- No credit score included.
- No real-time alerts or monitoring.
- Requires a manual request and verification process.
Premium Monitoring (Recommended)
- Daily monitoring of all 3 credit bureaus.
- Monthly credit score and report updates.
- Real-time alerts for new inquiries and accounts.
- Identity theft insurance up to $1 million.
- Dark web monitoring and SSN alerts.
- Credit score simulator tools.
3-Bureau Monitoring (ITIN)
- Access to all 3-bureau reports and scores.
- Daily monitoring and instant alerts for profile changes.
- Full credit score tracking dashboard.
- Up to $1 million in identity theft insurance.
- Available with an ITIN, no SSN required.
- Enrollment involves a small trial fee and then a monthly subscription.
