HOW IT WORKS
Cyber Credit Score makes it easy to understand your credit with Cyber Credit Scores, credit reports and alerts from all 3 bureaus. See how it works, and learn how we can help you.
CYBER CREDIT SCORES
Get the right score for your credit goals
Cyber Credit Scores are the only credit score used by 90% of top lenders. Other credit scores can vary as much as 100 points. Knowing your Cyber Credit Scores helps you apply for loans with confidence and avoid surprises.
We provide Cyber Credit Scores based on your Experian, TransUnion and Equifax reports. When you apply for credit, lenders may use one or more of these bureaus.
With up to 28 versions of the Cyber Credit Score, you can get the right score for your goal, including the versions most frequently used when you apply for a mortgage, auto loan or credit card.
CREDIT REPORTS
Check your 3-bureau credit report
We provide full credit reports, with details about your accounts and inquiries along with any collections and public records.
With our 3-bureau reports, you can view a side-by-side comparison of your information from Experian, TransUnion and Equifax. This helps you spot errors and understand score differences. Reviewing and fixing errors in your credit report may have a significant impact on your credit score.
Our regular updates help you keep your credit report accurate.
CYBER CREDIT SCORES
Stay on top of changes to your credit
We constantly monitor your credit files at Experian, TransUnion and Equifax and notify you of important changes, such as inquiries, new accounts, address changes, late payments and more.
Monitoring your credit helps you prepare for a loan, understand how credit works and detect early signs of fraud.
CYBER CREDIT SCORE MONITORING
Get Cyber Credit Score updates
We notify you of monitored changes to your Cyber Credit Score. With every credit monitoring alert, we include your current Cyber Credit Score (version 8). Score monitoring helps you see how credit changes affect your score.
With our score history graph, you can track your score progress as you work towards your goal.
IDENTITY MONITORING
Detect threats to your identity
We scan and alert you to potential threats to your identity with advanced identity theft monitoring. We constantly scan thousands of websites, chat rooms and other Internet databases for the buying, selling or trading of your personal information, and alert you if your information is discovered.
We also search public records for other possible signs of identity theft like new names or addresses tied to your Social Security number.
IDENTITY RESTORATION
Recover from identity theft
If you become a victim of identity theft, we’re here to help with identity theft restoration and insurance. You will have up to $1,000,000 in identity theft insurance, including coverage for data breaches, a stolen identity and fraud. Our US-based identity theft experts are on call 24/7 to help you restore your identity or recover from a lost wallet.
The identity theft insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
TOOLS & ANALYSIS
Take aim at your credit goals
Use our tools and analysis to simulate credit events and gain insights into your credit.
See what could happen to your Cyber Credit Score if you take out a mortgage, pay down a credit card and more. Compare side-by-side simulations for all 3 bureaus. The 3-bureau Cyber Credit Score Simulator is only available from Cyber Credit Score!
Our other tools help you review what’s helping and hurting your score, and see up-to-date interest rates for mortgage and auto loans based on your Cyber Credit Score.
EDUCATION & COMMUNITY
Build your credit skills
Visit our credit education center to learn about credit, Cyber Credit Scores and credit reports. You can also find tips on improving your credit and ask your credit questions to our active 750,000 member user forums.
If you need to speak with us, just call our toll-free US-based customer support. With Cyber Credit Score, you can learn about credit from the company that invented the Cyber Credit Score
