Pricing and Features
As previously mentioned, Credit.com is an absolutely free service wherein you can gather your Experian National Equivalency Score (ENES) and Experian VantageScore 3.0 credit score. The former is rarely used by lenders, unless they consider it a deciding factor. This score’s purpose is more or less to give you an idea of your credit standing and help you be more educated with your finances. The latter is more known among financial institutions and has a higher chance of being used as a factor by organizations in your applications. It would be good to note, however, that a vast majority of deciding bodies rely on the FICO score, as 91% of all decisions made are based from this scoring system.
Aside from the Experian credit reports, Credit.com offers a whole boatload of other services like financial products (credit cards, car loans and insurances, personal loans, home loans, and others), debt management section, mortgage advice, and financial tools to further arm you with knowledge on your credit situation. They also have calculators for computations on your debt-to-income, credit card payoff, loans and mortgages to give you the exact figures that you would have to prepare for.
Aside from a fairly organized and detailed FAQ page, you can get assistance from Credit.com’s team by leaving a message in their contact page. However, they do not provide a toll free hotline for you to call a representative, but you can rest assured that any inquiry you send will be given feedback at the soonest possible time. You can also connect with them via social media in Facebook, Twitter, Google+, and LinkedIn.
Don’t Be Afraid to Ask
Credits and finances are a confusing and dizzying subject. Nobody wants to admit it, but it is the truth. Moreover, the common attitude for one’s credit situation is “just go with the flow;” people usually don’t give an effort to understanding their credit status, until that one application gets denied because of less than ideal scores. Credit.com doesn’t just give you the scores and leave you to cross the credit world on your own. They offer full support on credit education, with numerous articles that are easy to understand, even for an individual who is totally clueless on financial lingo. They also have a dedicated team of experts ready to lend a helping hand for all of your questions and clarifications about your credit. So don’t be shy, give a little time to understand your credit, and you’ll be amazed at the little things you can do to improve your status.
What's the Verdict on Credit.com?
Credit.com Review 2018 – Conclusion
Credit.com has its own list of hits and misses with the features and services that they offer. They only offer Experian scores, for instance, which is limiting considering other sites can provide all three. But what makes them special is the fact that they don’t just hand you the fish to eat — they teach you how to fish, so that when the right time comes, you can go and be self-sufficient, credit-wise. Go on, prepare your financial hook and bait, and gear up with Credit.com!