A free credit app won't improve your score

Actually build, track, and protect your credit with ExtraCredit. Get started with a 7-day free trial.*

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Having the wrong credit score can cost you thousands.


ExtraCredit® is a brand-new product from Credit.com that gives you unmatched credit coverage. And the best part? You can try it with a 7-day free trial.

Why ?

total coverage

Total Coverage

While others offer a single credit score and basic warning systems, we give you access to all three bureau reports, 28 of your FICO® Scores, proactive dark web scans, security alerts and more.

unbeatable value

Unbeatable Value

The problem with free is you get what you pay for. With ExtraCredit, you get an impressive set of features, and you can earn real cash through select Reward It offers.

one solution

One Solution

You shouldn't need five different apps to manage and build your credit. And now you don't. With ExtraCredit, you get access to everything your credit needs in one convenient place.

Complete credit and identity coverage.

Over $100 of value. Free to try. Cancel anytime.


Everything you need to master your credit. Over $100 of value. Cancel anytime.

Start free trial now

ExtraCredit can help you understand, build & track your credit

You shouldn't need five different apps to monitor and manage your credit. And now you don't. With ExtraCredit, you get everything your credit needs at an affordable monthly payment.

Build It
Rent reporting
to bureaus
Utility reporting to
Experian and TransUnion
Personalized credit
profile-building offers
$10 value
Track It
28 FICO® Scores &
three bureau reports
Specific credit scores
for auto & mortgage
Personalized Credit
Report Card
$25 value
Guard It
1 Million ID Insurance
Dark web monitoring
ID alerts
$25 value
Reward It
Actual cash rewards
as high as
Restore It
Exclusive discount to one of the leaders in credit repair who works with all three credit bureaus and your creditors
†Where available
$25 value


Everything you need to master your credit.

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The last credit solution you'll ever need

Can a free app really improve my score?

Short answer? Probably not. Just knowing your score won't improve it. Getting credit for the bills you pay on time, however, likely will. With ExtraCredit, you can get positive tradelines added to your credit reports for stuff you're already doing, like paying rent.

What if my identity is sold on the dark web?

When it comes to identity protection, companies like to pretend that a warning system is enough. It's not. ExtraCredit works to keep your identity safe with dark web monitoring, $1,000,000 insurance and more.

What if there are mistakes on my credit?

Credit reports aren't perfect and mistakes happen. Good news is, if you have errors hurting your score, you have a legal right to fix it. ExtraCredit gives you discounted access to a proven and trusted provider to ensure your credit is both accurate and fair.

Why do I get so many credit card & loan offers?

Credit card offers are everywhere. Thing is, any time you are approved for a credit card or loan someone gets paid, and that someone probably isn't you. We don't think that's fair, so with ExtraCredit, we do it differently.

Does the score on my free credit app even matter?

The only credit score that matters is the score your lender is looking at. Don't get us wrong-a free score is great, but it won't give you the whole picture. With ExtraCredit, you get all your scores.

No matter your situation, Credit.com can help
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