Credit.com Credit Reporting Review


Rating: 7.9 / 10 (Very good)
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Credit.com is a web-based service that allows customers to immediately obtain their current Experian credit score, an analysis of the factors that affect that score, an estimate of what score may be achievable in six months, and a list of recommendations for how to achieve that goal. The service is owned by Progrexion Holdings, LLC, a private company which owns several other credit services brands.

How is Credit.com rated?

Breakdown

9/10
Credit Score & Reports
7/10
Monitoring & Tools
8/10
Plans and Pricing
8/10
Reputation & Support

Overall Rating: 7.9 / 10 (Very good)

Credit.com is very good at what it does, which is limited. It gives consumers a free, immediate look at their credit score, analyzes it, and provides goals and suggestions for consumers to follow to improve it. It's not an ongoing, paid credit reporting service, though it does provide links to those services, some of which are owned by the same parent company. It's unfortunate that Credit.com does not publish its corporate owner's name, since many consumers may be uneasy about providing their identifying information to an anonymous website.

Credit Score & Reports

Credit Score & Reports - 9 / 10

Credit.com has an easy-to-use interface that immediately provides customers with a free Experian credit score, a list of the factors that determined that score, and information on how that score might be improved. The information is presented online in an easy-to-read format. The site then provides links for consumers can sign up with various credit reporting and credit repair services., some of which are owned by Credit.com's parent company. Credit.com itself, however, does not provide those services or reports.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Access to Credit Scores
Yes
Access to Credit Reports
No

Monitoring & Tools

Monitoring & Tools - 7 / 10

Credit.com itself does not offer credit monitoring, but it does direct people to companies that do.

Credit.com Plans & Pricing

Plans and Pricing - 8 / 10

Credit.com itself is free and is not a continuing service, but a one-time credit score checking site. The site does contain links to various paid credit reporting and repair services.

Credit.com Reputation & Support

Reputation & Support - 8 / 10

Credit.com's website does not list the name, address, or phone number of the company that owns it, which is Progrexion Holdings, Inc. Neither Progrexion nor Credit.com are listed with TrustPilot. Credit.com is accredited by the BBB and has an A+ rating. The company appears to have been diligent about resolving the few complaints that appear on the BBB site.

Customer Feedback

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
2

Contact & Additional Company Information

Year Founded
1996
Homepage URL
Company Phone
(801) 384-4100
Headquarters Address
257 East 200 South, Salt Lake City, UT, 84111
Mailing Address
257 East 200 South, Salt Lake City, UT, 84111

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Our Partner
9.2 / 10
  • Our #1 choice, with an A+ rating by BBB
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