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| FICO Deluxe |
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| 3-in-1 Credit Report |
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| Student Loan Consolidation |
| Home Equity Loan |
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| Debt to Wealth |
| Tax Help |
| Debt Consolidation |
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| Home Refinance |
| Home Equity Loan |
| Buying a Home |
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| Home Price Evaluation |
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Contact Us
Frequently Asked QuestionsBasicsWhat is Credit.com?I don’t have access to the internet, can I still apply for your offers? Are you a real company? I am having trouble submitting my application can someone help me? CreditI have bad credit what should I do?How do I cancel my credit report subscription? I forgot who provided my credit report, how do I contact them? What should I do if I forgot my username and/or password? The website does not recognize my username and password how I can re-access my information? What is my credit score? What is a bad credit score? What is a good credit score? LoansHow do I receive my loan? Direct deposit, wire transfer or check?How soon can I expect a loan approval? What should I do if it’s been 48 hours and I haven’t heard anything? If I am denied a loan is there a waiting period before I can reapply? How will I know if I am approved or declined for a loan? Should I contact Credit.com if I am approved for loan? I forgot who my lender is. How do I contact them? Why was I denied a loan? How do I cancel my loan? How much does it cost to apply for a loan? I just purchased a car, can I refinance it? I would like a different lender. How do I switch? What is the difference between an emergency payday loan and a personal unsecured loan? How much money can I borrow? Should I use a co-signer? What will my interest rate be? What is a person-to-person loan? Is Credit.com a direct lender?
Basics
What is Credit.com?We are a team dedicated to serve the public with unbiased information about credit and credit related services. We provide tools and information to help you have healthy credit.
I don’t have access to the internet, can I still apply for your offers?Yes, you may still apply by calling our customer service team at 877-273-4273, extension #0. However, you must have an email address to apply for our services. You can use a friend or family member’s email address or you can visit your local public library and the librarian will be happy to help you obtain a free email address. This email address will be important; you are often notified with the results of your application by email.
Are you a real company?Yes, we are a real company. We have been in business for more than 9 years and are registered with the VeriSign and TRUSTe.
I am having trouble submitting my application can someone help me?Sure! You can call us at 877-273-4273, extension #0. We are available to help Monday through Friday, 9:00 am to 5:00 pm PST.
Credit
I have bad credit what should I do?You are not alone; millions of people have trouble with their credit. We recommend that you obtain copies of your credit reports from all three of the credit bureaus to find exactly what is hurting your credit. Then visit our Leaning Center to get step-by-step directions how to remove negative marks from your credit history.
How do I cancel my credit report subscription?You can cancel your credit report subscription with Experian, (also known as ConsumerInfo or Credit Check) by emailing cancel@consumerinfo.com or calling 888-888-8553. You can cancel your subscription with TransUnion, (also known as TrueLink or FreeCreditProfile) online at www.freecreditprofile.com/cancel or by calling 888-749-0731.
I forgot who provided my credit report, how do I contact them?You can email us at cs@credit.com and we will be happy to provide you with this information. Don’t forget to provide us with the email address you used to apply for your credit report.
What should I do if I forgot my username and/or password?You can retrieve your username and password by going to the login section for your credit report. Underneath the login boxes for your username and password there is link that asks “forgot your username or password?” Simply click on that link and the computer will take you through the steps of getting your username and/or password.
The website does not recognize my username and password how I can re-access my information?If the website does not recognize your username and/or password you should call the company for assistance. For Experian, ConsumerInfo or Credit Check call: 888-888-8553. For TransUnion, TrueLink, FreeCreditProfile call, 888-749-0731.
What is my credit score?You can request your credit score by clicking here and applying for your credit report and score. This will provide you with an online credit report and score from one of the three credit bureaus. If you would like more credit reporting options, including your credit report from all three credit bureaus or credit monitoring, please go to our Credit Report section to view all our product options.
What is a bad credit score?The average score in US is approximately 680. Anything below a 680 is considered “sub-prime” and needs improvement. However, each of the three major credit bureaus records your score slightly differently. In general, the higher you credit score the better it is. Credit scores usually range from 300 to 850.
What is a good credit score?The average score in US is approximately 680. Credit scores in mid 700’s to 800’s are the most desirable. However, each of the three major credit bureaus records your score slightly differently. In general, the higher you credit score the better it is. Credit scores usually range from 300 to 850.
LoansHow do I receive my loan? Direct deposit, wire transfer or check?If you were accepted for an unsecured personal loan, you will receive your funds in the form of a check. You may be able to request that these funds be wire transferred to your account. If you were accepted for an emergency payday loan, your funds will be deposited directly into your banking account.
How soon can I expect a loan approval?You can generally expect to receive notice of your approval within 48 hours.
What should I do if it’s been 48 hours since I applied and I haven't heard anything?Often you are sent an initial email letting you know that your application has been received and is processing. Because these emails are sent from an unfamiliar email address they are frequently sent to your junk, bulk, or trash folders so be sure to check carefully for messages related to your loan. If you have questions about the status of your loan application you can contact us at loanstatus@credit.com. Please allow a full 48 business hours and keep in mind that many of our lending partners are closed over the weekend.
If I am denied a loan is there a waiting period before I can reapply?Yes, you must wait seven days or one week to reapply.
How will I know if I am approved or declined for a loan?If you are approved for the loan you will be notified by email or by phone. If you are declined you will be sent an email and/or notified by US mail.
Should I contact Credit.com if I am approved for loan?You do not need to contact Credit.com once you are approved for the loan; the lender who notified you of your approval will be your contact from that point forward. However if you have questions that your direct lender is not able to answer, please feel free to contact us at cs@credit.com.
I forgot who my lender is. How do I contact them?Please send us an email at cs@credit.com including the email address you used for your application, first and last name and the type of loan you applied for and we will send you the contact information for your lender.
Why was I denied a loan?A lender may deny your application if you did not meet one of the minimum requirements listed on the first page of the application or if:
Sometimes you can be denied through no fault of your own.
How do I cancel my loan?When you are approved for the loan you will be contacted by one of our lenders. If you are no longer interested in the loan, simply decline their offer. You do not need to cancel your loan application with us.
How much does it cost to apply for a loan?There are no fees for any of our loan services.
I just purchased a car, can I refinance it?You must wait at least three months before refinancing your vehicle.
I would like a different lender. How do I switch?If you would like a different lender please send an email request to cs@credit.com, we may be able to find you an alternative.
What is the difference between an emergency payday loan and a personal unsecured loan?An unsecured personal loan allows you to borrow $1,000 to $10,000. These loans can be paid off in between one and four years. To qualify for the loan you must have a credit score of at least 580 or have a co-signer. Emergency payday loans allow you to borrow $100 to $1,000. The repayment term of these loans is very short, approximately two pay periods, however there is no credit check required for the application.
How much money can I borrow?This depends on what type of loan you apply for, but in general the better your credit history and score, the easier it will be to borrow more money. The maximum amount of money you can request for when applying for an unsecured personal loan is $10,000. If you are a homeowner you could qualify for $15,000. If you apply for an emergency payday loan the maximum amount of money you can qualify for is $1,000.
Should I use a co-signer?A co-signer is advisable if you have poor credit history or no credit history. Make sure that your co-signer has better credit standing than you. The idea is that your co-signer’s good credit will help bring up your poor credit. Be careful about choosing a co-signer, however. The records for the shared account, both good and bad, can appear on both your credit report for 7-10 years.
What will my interest rate be?Your interest rate will depend primarily on three things: your credit score, how much you borrow, and the state you live in. Each state has different regulations governing interest rates. The general rule of thumb is that the better your credit score, the lower your interest rate will be.
What is a person-to-person loan?A person-to-person loan is financing for a car that you want to purchase directly from a friend, family, the newspaper, online or a particular dealership. To qualify for this type of loan you must have a good credit history and a credit score above 680.
Is Credit.com a direct lender?Credit.com has a select group of lending partners but we are not a direct lender. |
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