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Frequently Asked Questions

Why should I use ImportantScore.com?

To control your financial future, it’s critical to understand and manage your FICO® Credit Score. Your credit is the first thing most lenders consider when you apply to buy a car, rent a home or open a new credit card account. ImportantScore.com enables you to view your credit score and report so that you can understand what types of information your lender may view to make decisions. This information can help you take steps today to address any errors or concerns that could impact your ability to get approval.

ImportantScore.com also offers a free trial of comprehensive 3-Bureau credit monitoring to help alert you of any suspicious activity that could be related to potential identity theft or fraud.

How can I see my free credit score?

Once you complete the sign-up process at ImportantScore.com, you will be automatically directed to your member dashboard where you can view your FICO® Credit Score.

You can view your FICO® Credit Score by logging in to your Experian account here.

Checking your own credit will not affect your credit score.

What is credit monitoring?

Credit monitoring is the monitoring of one’s credit history in order to detect any suspicious activity, including credit-related fraud and identity theft. Credit monitoring will not prevent fraud, identity theft, or unauthorized use of your credit, however, it will alert you to important changes, such as credit inquiries, public records, delinquencies, negative information, employment changes, new accounts, and other changes to one’s credit history.

Does credit monitoring check all of my credit reports from Transunion, Experian, and Equifax?

With the Experian CreditWorks Plus Plan, your Experian score and report is updated daily. Scores and reports from TransUnion and Equifax are updated monthly.

Free Credit Score With Experian Boost includes a free Experian credit report that is updated monthly.

Do I need to pay for ImportantScore’s credit monitoring service?

To receive 3-bureau credit score and report monitoring, you’ll want the Experian CreditWorks Plus Plan. After an initial 7-day $1 trial, you will be billed $21.95 for each month unless you cancel during the trial period. Free Credit Score With Experian Boost is a free plan that provides your Experian credit report, updated monthly at no charge.

What is Experian CreditWorks Plus?

This plan provides daily updates on your Experian credit score and report, and additional scores and reports from TransUnion and Equifax, which are updated monthly. Having this comprehensive 3-bureau view ensures that you catch errors and have an accurate picture of your credit standing when you apply to buy a car, rent a home or open a new credit card account.

When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorks Plus. If you don’t cancel your membership within the 7-day trial period, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge.

What is Free Credit Score With Experian Boost?

This service is absolutely free and provides an Experian credit score and report that is updated monthly. Unlike credit repair companies, Experian Boost costs nothing and can increase your credit scores fast. Get credit for your phone and utility bills by adding positive payments to your Experian credit file.

Average users boosted their FICO® Score 8 based on Experian data by 13 points. Some may not see improved scores or approval odds. Not all lenders use credit information impacted by Experian Boost.

What’s the difference between Experian CreditWorks Plus and Free Credit Score With Experian Boost?

Both plans provide you with powerful tools for managing your credit. Experian CreditWorks Plus is a premium plan with a monthly fee after the 7-day $1 trial for comprehensive 3-Bureau Credit Monitoring. Free Credit Score With Experian Boost™ is a completely free way to view your Experian credit score. Checking your credit with any ImportantScore Credit product will not harm your credit score because you are checking it yourself.

Experian CreditWorks Plus includes:
  • Experian score and report updated daily
  • Scores and reports from TransUnion and Equifax updated monthly
  • 7-day $1 trial; only $21.95/month after trial
Free Credit Score With Experian Boost includes:
  • Score and report from Experian only
  • Experian report updated monthly
  • $0 monthly fee
What if I don't want credit monitoring?

You may cancel online at any time, free of charge, by logging into your Experian account directly, or by contacting customer service using the following information:

Phone (toll-free):

1-866-617-1894
Mon - Fri: 6 a.m. - 8 p.m. PT
Sat - Sun: 8 a.m. - 5 p.m. PT

Mail:

ConsumerInfo.com
Attn: Customer Care
PO Box 2390
Allen, TX 75013

How do I get my free credit score after I sign up?

Once you complete the sign-up process at ImportantScore.com, you will be automatically directed to your member dashboard where you can view your FICO® Credit Score.

How to Dispute Credit Report Errors?

ImportantScore.com does not have any authority to access, review, report on, or correct consumer credit information. Under the Fair Credit Reporting Act (FCRA), both the credit reporting agency and the information provider (i.e., the person, company, or organization that provides information about you to a credit reporting agency) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting agency and the information provider. The FCRA promotes the accuracy and privacy of information contained within the files of the nation’s three major credit reporting agencies.

You may submit your credit report dispute to each of the major credit reporting agencies online, by mail, or over the phone:

Online:

Phone:

  • Equifax - 1-(866)-349-5191
  • Experian – To submit a dispute by phone, call the number displayed on your Experian credit report and speak with an agent. To request a copy of your personal credit report, call 1-(866)-200-6020. [source]
  • TransUnion - 1-(800)-916-8800

Mail:

  • Equifax
    P.O. Box 740256
    Atlanta, GA 30374-0256
  • Experian
    P.O. Box 9701
    Allen, TX 75013
  • TransUnion
    P.O. Box 2000
    Chester, PA 19016