PREMIER Credit Manager
Which credit reporting company's report does PREMIER Credit Manager monitor for me?
PREMIER Credit Manager monitors your Experian® credit report
daily and notifies you of several important changes to your Experian credit
file with online email monitoring alerts. You'll know about new derogatory
information, recent inquiries into your credit, and several indicators of
possible credit fraud. PREMIER Credit Manager also includes free
copies of your Experian Credit Report and PLUS Score® anytime during your membership.
How do I cancel my membership?
If you try product the and decide it is not for you, please contact our Customer Care Center toll free at 1-866-252-8811. We will discontinue your monitoring and stop the automated monthly billing. Please note you will not be eligible for a prorated refund of any portion of your current month's paid membership fee.
How long will my online credit report be available?
Your report is available online for 30 days after it is delivered. It's
a good idea to print a copy for your records when you first view it.
3 Bureau Credit Report with 3 PLUS Scores
How is a 3 bureau credit report different from a single-bureau credit report?
The 3 bureau report includes your complete information from all 3 national credit
reporting companies- Experian, Equifax & TransUnion. A single-bureau report contains
your information on file at one of those 3
Why is my credit report and PLUS Score different among the 3 credit reporting companies?
When creditors report information to the credit reporting companies, they can choose which
company they want to report to. Some report to only 1, whereas many report to all 3.
When a creditor chooses only to report to 1 or 2 of the companies, the remaining company(s)
will not have access to, and therefore will not include, that account information in your
Similarly, the credit reporting companies do not share information and may report information
that is inconsistent with the other companies.
Where can I find out how to read my 3 Bureau Credit Report?
Please click on the Credit Report Guide
button located at the top of your 3 Bureau Credit Report.
I wasn't able to receive my 3 Bureau Credit Report with 3 PLUS Scores, or the transaction failed. Was I charged?
No, we don't charge your card unless your 3 Bureau Credit Report and 3 PLUS Scores is delivered.
We will not charge your card if:
(a) we are unable to process your request;
(b) you do not pass our authentication process;
(c) any of the 3 credit reporting company's systems are down.
Please note that when you complete the order process, your credit card may be authorized
for a charge, but that does not mean that it has been charged.
How long does it take to get my 3 Bureau Credit Report and 3 PLUS Scores?
After you pass our online authentication process, you will generally receive your online credit
report and score within 30 seconds. However, if we are unable to automatically authenticate your
identity, you will receive instructions for further verification.
Why didn't I get my credit report?
Although we usually deliver credit reports to our customers within seconds, there are some
instances that prohibit us from doing so. These include:
- When there is not enough information to compile a 3 Bureau Credit Report for you.
Sometimes a credit reporting company does not return information about a consumer.
- When we are experiencing a technical issue.
- When we are not able to verify your identity.
Please note, that we don't charge your credit card until we deliver your credit report.
If we are unable to process your request, we will not charge you.
How long will my 3 Bureau Online credit report be available?
Your report is available online for 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.
The PLUS Score
What is a PLUS Score?
There are various types of credit scores. The PLUS Score is a credit score model developed by Experian® to help you see and understand your relative credit risk level for educational purposes. It is not a score used by lenders or other commercial users for credit decisions.
PLUS Scores range from 330 to 830. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk. A lower score indicates that you may be a higher credit risk (risk of default). There are many different credit scoring models that can give you a different assessment of your credit rating and relative risk for the same credit report. Lenders or insurers use credit scores different from the PLUS Score. For some consumers, the risk assessment of a PLUS Score could vary, sometimes substantially, from a score used by a lender. If a score used by a lender is lower than your educational PLUS Score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
There are three different major credit reporting agencies - the Experian® credit bureau, TransUnion®, and Equifax® -- that maintain a record of your credit history known as your credit file. Your PLUS Score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your PLUS Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your PLUS Score may also change.
Where can I find out more about my PLUS Score?
More information about your PLUS Score can be found here.
I wasn't able to receive my PLUS Score. Was I charged?
No, we don't charge your card unless we can authenticate your identity and
deliver your report. If we are unable to process your request, we will not charge
you. Please note that when you complete our order process, your credit card may
be authorized for a charge, but that does not mean that it has been charged.
How long does it take to get my PLUS Score?
Your Credit Score is calculated within seconds, as long as we are able to locate
your credit report. However, if we are unable to automatically authenticate your
identity, or your report cannot be located, there may be a delay.
How long will my PLUS Score and report be available?
Your report is available online for 30 days after it is delivered. It's a
good idea to print a copy for your records when you first view it.
How often is my score tracked?
Your score is automatically plotted on the Score Tracker once every
month during your active membership.
Why doesn't the score number on the graph match the score number on my report?
Your credit score is a dynamic number based on the contents of your Experian Credit
Report the moment it is requested. As creditors report new information and your
existing information ages, your credit report constantly changes, often impacting
your credit score. The Score Tracker displays the credit score that was calculated
based on the information in your credit report on a particular date each month. If
the credit report you are looking at was requested on a different date, your score
Why does my score show as “zero”/”0” under my Credit Profile?
Your most current credit score is displayed under the PLUS Score and Risk Level
sections of your Credit Profile after you request a new credit report and score.
This score is viewable for 90 days. Unless you request a new credit report and score
within 90 days, the data will disappear and be replaced with a “zero.” Simply refresh
your Credit Profile by requesting a new report and score.
Why hasn't my score changed even though I have had changes to my credit report?
Your credit score is generated based on the information from your Experian Credit
Report at the time it is requested. These factors may affect your credit score - your
score may go up, down, or remain constant depending on each factor as well as the unique
combination of factors. For additional information on the factors affecting your score,
please review your score explanation.
A few of the top common factors that can influence your credit score include,
but are not limited to:
- Payment history: number, severity of late payments, and status of accounts
- Credit history: type, number, usage, and age of accounts
- Outstanding debt: how much you owe on all your accounts, and how close you are to
each credit limit
- Inquiries: number of inquiries and how recently the inquiries were made to
pursue new credit
Where does the Score Tracker get its information?
Your credit score on the Score Tracker is always based off data from your Experian
If I don't pull a report each month, will a new score appear on the Score Tracker anyway?
Yes, even if you don't pull your own report each month, Score Tracker will continue to
automatically update and track your score each month during your membership.
However, the score under the PLUS Score and Risk level sections of your Credit Profile
is only posted after you request a new credit report and score. This score is archived
for a period of 90 days. If you do not request a new credit report and score within 90
days, you will not see a score displayed under the PLUS Score and Risk level. You can
refresh this section by simply requesting a new report and score.
Is the transaction safe?
Yes, the process of sending and receiving your information is encrypted using
Secure Socket Layer (SSL) encryption. This technology is designed to protect
your credit card information. Preferred web browsers are: Netscape 6.05 or later,
Microsoft Internet Explorer 5.0 or later, and AOL 8.0 or later.
Our company has passed the rigorous security screening processes set up by
ICSA and the credit reporting companies, and we have also partnered with
VeriSign, Inc. To read more about our security measures, see our
What will happen to the information I enter?
The information that you provide is used to verify your identity. This
information remains on our secure database to ensure confidentiality of your
request. Additionally, we remove the credit report from our database after
30 days. (The credit reporting companies will always keep your record).
We do not resell or provide your credit information to any third-party
marketers. Please see our
Privacy Notice for details about how we protect the information you submit
Will ordering my credit appear as an inquiry on my credit report?
Anytime your credit report is pulled - including when you order a copy of
your credit report directly from the credit reporting company - an inquiry
is added to your report. Only some of those inquiries appear to creditors
and therefore impact your credit score. Inquiries that were made for credit
cards or loans for which you applied will be shown to creditors. Inquiries
added when you request a copy of your credit report or when an employer checks
your credit report do not appear to creditors. We are pulling your credit
report on your behalf, so the inquiry on your credit report will not be shown
to creditors and will not affect your credit rating or score.
However, ALL inquiries will be displayed on disclosures of your credit file
that you receive directly from any of the credit reporting companies. This
is done so you know who has been looking at your credit. Some inquiries on
your report are accompanied by a description of why the report was pulled.
I don't have a credit card. Can I still purchase a credit report?
Currently, we only accept credit card payments. Our system is not set up to
accept checks or cash at this time. We apologize for any inconvenience.
What is the refund policy if the transaction fails?
For first-time membership orders, we don't charge your card until after your free trial period. For returning membership and/or transactional product orders, we don't charge your card unless you get your credit report or you complete the request; however, if we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
Will my spouse's name and information appear on my report?
The credit reporting companies maintain credit files on individual U.S.
residents only. They do not maintain joint files for spouses. Only
accounts that are in both your names or those for which you are an
authorized user will show up on your report. Therefore, your credit
report is separate and different from your spouse's.
How do I dispute possible inaccuracies on my credit report?
To request an investigation into information you don't agree with on your
credit report, you should contact the credit reporting company that supplied
the information. A credit company has 45 days to investigate disputes regarding
possible inaccuracies on credit reports. The company must then give you
the results in writing.
Can I order someone else's report?
No. Under federal laws, any person who knowingly and willfully obtains
information on a consumer from a Credit Reporting Agency under false pretenses
(for example, getting a credit report on an individual without his/her permission)
shall be fined under Title 18 United States Code, or imprisoned for not more than
2 years, or both.
Isn't everyone entitled to one free credit report annually?
Yes. The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers
to get one free comprehensive disclosure of all of the information in their
credit file from each of the three national credit reporting companies
once per year through a Central Source. Georgia residents are entitled
to receive two disclosures per year.
In addition, consumers also have the right to a free credit file disclosure
directly from the credit reporting companies if (paraphrased) they:
- are the recipient of an adverse action (for example, denial of credit)
due to information contained in their credit file;
- are unemployed;
- are a recipient of public welfare assistance;
- have inaccuracies in their credit file due to fraud.
For more information, please see the
Fair Credit Reporting Act.
What are my rights under the Fair Credit Reporting Act?
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of the information in the files of credit reporting companies. Please click here for the summary of your major rights under the FCRA.
What is your authentication process and what happens if I don't get authenticated instantly?
Generally, we can authenticate your identity online immediately after you place
an order. If you order a product that is delivered instantly, and we are unable
to verify your identity online, you have the option of going through further
verification. We then deliver you a private access code via U.S. mail within
5 to 7 days, which provides you full access to your report online. For your
protection, if we are still unable to verify your identity, you will be asked to
contact Customer Care. If you submit the required information, you are
agreeing to purchase the report. Once your information is received, your
identity will be manually verified. You will receive an email confirming
the outcome within 3 business days. If your information is verified, your
login information also will be provided in this email. You can then login
at the site to view your report.
Why is there a sales tax and how is it calculated?
Starting December 1, 2008, certain orders may be subject to sales tax based on specific laws in your state of residence. Sales tax may be included on membership orders and any additional reports and scores that you purchase, such as a 3-Bureau report and score.
The address you provided during the order process is used to determine whether sales tax applies to your order(s) and if so, at what rate. Since sales tax rates may change over time, you might notice minor fluctuations in the membership fee.
Keeping your address up-to-date in our system will help ensure the sales tax is calculated accurately during each billing cycle. You can easily update your address information anytime by logging in to My Credit Center and using the Edit Profile section. You may also contact our Customer Care Team at 1 (866) 617-1921 for address changes.
Can I get my alerts as text messages?
Yes you can. You are able to set up, modify, or cancel text
message alerts from the Edit Profile
page for no additional cost.
If you need help, simply text HELP to the short code you are
enrolled in from your mobile device. To quit, simply text STOP
to the short code you are enrolled in from your mobile device, or opt-out
from the Edit Profile page. Be advised, STANDARD
AND MESSAGING DATA RATES MAY APPLY.
What is the FACT Act?
The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumer´s to get one free comprehensive disclosure of all the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
How can I request my free statutory annual credit file disclosure?
The FACT Act required that the national credit reporting companies establish a central source though which you will request the statutory free annual credit file disclosures. To obtain that free report, you must go to www.annualcreditreport.com.
Which credit reporting company´s free statutory annual credit file disclosure do I receive?
You are entitled to receive your free statutory annual credit file disclosure from each of the three national credit reporting companies: Experian, Equifax, and TransUnion. Remember, your request must be placed through the Central Source.
How often can I get a free credit file disclosure?
The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies once per year. Because of state law, residents of Georgia can receive two free credit reports per year.
Product Upgrade from ConsumerInfo.com
I originally signed up on ConsumerInfo.com. Why am I now seeing CreditExpert.com?
Because we truly appreciate your exceptional loyalty, you were exclusively selected to receive a premium product upgrade to CreditExpert.com. Your membership price was not affected, and you now have access to additional product features, such as our Experian Score Tracker, at no additional cost to you.
Where is my past credit history that I used to see on ConsumerInfo.com?
Unfortunately, when upgrading your membership to the new premium product, we were unable to carry over past credit history. Rest assured, your current credit information is still secure. We apologize for any inconvenience this may have caused.
Where am I supposed to log in now? My ConsumerInfo.com log in page does not work anymore.
A new membership log in area also came with your premium product upgrade. Please update your bookmark to CreditExpert.com in order to quickly and easily access your CreditExpert.com membership account.
I do not wish to take advantage of my upgraded CreditExpert.com membership.
We are sorry to see you go. Please note that this product upgrade incurs no additional cost on your behalf. If you would still like to cancel your membership, please contact our Customer Care team at 1 (866) 617-1921. For your convenience, we are open 6am-6pm Mon thru Fri and 8am-5pm Sat and Sun (Pacific Time).