What do you need your credit score for? In a nutshell, a lot. Credit cards, loans, mortgages, APR, even renting an apartmentâwhether or not you qualify is based largely on your credit score. If your credit is less-than-ideal, you know it can make your life just that much harder.
Having a bad credit score can hold you back. It can keep you from feeling in control of your life. You might feel like youâre in a vicious cycle: you apply for credit to improve your score, get denied, suffer a hard inquiry, watch your credit score drop and try again. And it starts over.
We get it. And we want to help. Enter ExtraCredit, the newest product from Credit.com. ExtraCredit is a comprehensive credit solution, with specific and encompassing features that helps you with every dimension of your credit.
But ExtraCredit isnât your typical credit solution. Think of it as a lifestyle change. Think of it as a way for you to take your life back.
ExtraCredit is your one-stop-shop for all things credit. Need identity protection? ExtraCreditâs got it covered. Want a look at your FICOÂ® Score? Sure! An exclusive discount with one of the leaders in credit repair? Yep, weâve got that too. Ready to add more to your credit? Weâve got your back. ExtraCredit is here for you, no matter what your credit score is. ExtraCredit helps you own your lifeâstarting with your credit.
ExtraCredit has five features, each created to help you get where you want to be. Hereâs the lowdown on each:
So you decided to sign up for ExtraCredit. Smart choice! Because youâve made such a smart choice, weâll send you an ExtraCredit card loaded with $5. Thatâs real money. And thatâs what Reward It is all about.
It doesnât end there. When you sign up with ExtraCredit, we start sending relevant financial offers your way. Letâs say you get approved for one of those financial offers. Thatâs a big deal! And we want to celebrate with you. Which is why weâll load your ExtraCredit card with up to $200. Thatâs rightâup to two hundred dollars. All for you, because of your smart financial decisions.
There are a lot of credit scores out there. And there are a lot of apps and services that claim to have the score. You know, the one and only completely accurate score you need. But the thing is, that doesnât exist. So the score you might be seeing on one of those other apps isnât the same as the FICOÂ® Score that lenders see. In fact, you have at least 28 credit scores. Thatâs a lot to keep track of.
Thatâs where Track It comes in. ExtraCredit will keep track of your 28 FICO credit scores, so you can keep track of every single one. But it goes one step further by showing you what each score is used for. Plus, youâll get access to your credit reports from all three major credit bureausâExperian, TransUnion and Equifax.
Here are some statistics for you: in 2019, 14.4 million consumers were victims of identity fraud. Sure, that might not sound like a lot of people. But when you realize that it comes out to about 1 in 15 people, it feels like a much bigger threat. In total, 33% of adult Americans have been victims of identity theft.
You might think that youâve got all the protection you need. And maybe you have set up a few precautions here and there. But criminals nowadays are smart. Just look at those stats! They know what theyâre doing. But donât sweat itâso do we. Guard Itâs here to save the day.
Guard It provides services to keep you nice and safe. Thereâs Dark Web Monitoring, which will continually scan hidden websites and file-sharing networks for data breaches. Then thereâs Compromised Account Monitoring thatâll catch unauthorized bank changes and accounts opened with a stolen identity. And last, but not least, thereâs Identity Theft Insurance. Thatâll help protect you from financial danger with a $1,000,000 policy. Better safe than sorry.
We all know that credit card payments play a major role in your credit score. But thatâs just half the story. What about all the other bills that you pay, like rent and utilities? Shouldnât those count? We definitely think so, which is where Build It comes in.
Build It uses Rent & Utility reporting to match transactions from your bank account. Think about that for a secondâBuild It will help you add more to your credit profile whenever you pay your rent on-time. How easy is that?
From there, Build It continues to report your payments to all three major credit bureaus each month.
So your creditâs not where you want it to be. And you need help. The good news is, youâre in the right place. Restore It will connect you with one of the leaders in credit repair. Youâll get an exclusive discount for CreditRepair.com, a credit repair service that has a killer track record. If they are not available in your area, you will get that discount with another leader in credit repair.
Okay, we know that there are a lot of credit solutions out there. Youâve probably seen other services, like credit repair, ID protection and credit monitoring. But hereâs the thingâno one offers a comprehensive service like ExtraCredit.
With ExtraCredit, you get five killer features all wrapped up in a box with a bow on top. Hereâs a breakdown of how much the ExtraCredit services would typically cost on their own:
- Basic Credit Repair: $24.95+
- Rent Reporting: $9.99
- ID Protection: $34.99
- FICO Scores: $19.99
Altogether, thatâd add up to a cool $89.92. But with ExtraCredit you get all five services at $24.99 a month, plus real cash back for select offers.
The Bottom Line
Sure, there are a lot of credit solutions out there. But hereâs the thingâExtraCredit impacts every dimension of your credit. So you could go with one-dimensional services provided by the other guys. Or you could go with ExtraCredit, which offers so much more than the basics.
ExtraCredit is here for you. Itâs like a team of credit pros, all focused on monitoring your credit and satisfying your credit score needs. All you have to do is sit back, relax and let ExtraCredit do the work.
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