Credit.com review

If you’re looking to check your credit scores, you have quite a few websites which you can go to.

Most of these credit score checking websites are paid. However, there are a few options which you have got when it comes to free credit score checking, which we would be stating today.

Due to this very reason you have to find out if there is really a genuine website which offers you the option of taking the credit score.

One such website which has been around since quite some period of time is known as credit.com.

Also, when you search on the Internet, then also you would be able to come across this website and many people would indeed be recommending this website.

Due to this very reason, we would be revealed this website today in order to find out if it is really good enough.

Credit.com review:

we would be looking into the different aspects of the website to help you better understand of the website is worth using when you’re trying to find your credit score.

1. Credit score information:
when you’re looking into the credit score information, you would realise that credit score from 2 different sources is provided.

The experian equivalency credit score is provided and also the experian vantage credit score is also provided.

Due to this very reason, there is a high probability that you would be able to get good quality credit score.

In most of the cases, there would be some difference between both of these credit scores, due to which you have to find out which is the credit score, which is taken into account by the financial institutions so that you are able to get an idea about the actual credit score based on which the decision would be taken.

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2. Cost of getting the credit score:
you need to understand that when you’re signing up on the website like.com, they would be asking for your credit card. However, they would not be charging your credit card.

They would be surely up selling you on a variety of different products.

Therefore, this is where they would be making most of their money.

Also, they would be selling you the financial products.

They would not be charging your credit card just for the credit report.

The financial products which they would be selling something like credit cards as well as home loans and other type of loans.

Therefore, you have to be aware about the up selling and other such methods which they would be opting for.

Credit.com review3. Accuracy of the credit score:
if you look into the credit score which is being used by the financial institutions, you would realise that it is the Vantage scores and these are actually pretty accurate.

If you’re looking into the other credit score which they are providing, you would realise that it is actually not that useful.

Due to this very reason, you have to understand which is the credit score which is more important.

Also, the type of credit scores which are provided are actually pretty accurate.

4. Not useful for official purposes:
if you want to get the credit score just for you to court, then credit.com is good enough.

However, when you’re approaching any financial institution, they would be running their own credit check.

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When they are running their own credit check, the credit score which they would be coming up with is important and they would be utilising that particular credit score.

That is why, you have to understand that for the official purposes, these credit score might not be useful.

For your own record, these credit scores might be useful.

5. Added email communication:
even though they would be providing you with the free credit score but one thing which you have to always keep in mind is that you would be receiving lots of promotional emails.

That is why, it is always a better idea to use a separate email address in order to ensure that you’re not getting disturbed by the emails which they are sending.

Due to this very reason, it is always a better idea to keep a watch on the email address which you are providing to them.

6. Some variations in the actual score:
you can understand that if you’re pulling out the actual scarf with the help of the financial institutions, it would be generally 20 to 30 points lower than the score which has been stated by credit.com.

That is why, instead of always thinking that this is the very accurate score which you are having, you have to find out about the actual score from the financial institutions.

Once you’re able to do that, then only you can be sure that it would become much more easier for you to get the actual score.

As you can see, the credit score which is provided by credit.com is actually just a general indication regarding the area in which your credit score currently stands. If you’re thinking that it would be providing you with the most accurate information on your credit score, then you’re completely wrong. Due to this very reason, you have to always look into the credit score options carefully and you have to understand that just by looking at a single credit report, you would not be able to get 100% idea regarding the type of the credit score which you should be opting for.

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Verdict:
if you’re just needing a general idea regarding your credit score, then credit.com is good enough option. However, you have to understand that in order to avoid the promotional emails, you have to give them a completely different email ID. When you’re able to do that, you would not be bothered by the promotional emails which they are sending you.

On the other hand, when you’re able to get your credit score, you would just be able to get a general range in which the credit score currently stands. Therefore, if you’re just needing the credit score for theoretical purposes, then only you have to use this website.