Need a Little ExtraCredit? We Can Help

We’re all in different financial situations. You might have less-than-ideal credit. Or you might not have a credit history at all. Maybe you have great credit, but could use a few extra credit card rewards. Because who doesn’t like rewards? No matter what you need, making major changes by yourself might seem daunting, right?

That’s why ExtraCredit exists. We made it just for you and your specific credit needs. And we’ve got the features that you need to get where you want to go, with a total of five features that can help you no matter your credit and financial goals:

Now, you might be wondering: is ExtraCredit really for me? Do you really need five features for your credit score? Think of it this way—with ExtraCredit, you’ll get at least one right feature for you. You might need a new line of credit. Or maybe you really, really need identity protection. Guess what? ExtraCredit has a feature for that.

And what about the four other features? Think of them as a little bonus. You might not need rent and utility reporting. But it definitely won’t hurt, right? Because the fact is, different people in different financial situations will benefit from different features. No matter what your specific needs are, don’t worry—ExtraCredit has you covered.

Thin Credit File? Build It Can Help

There are a ton of reasons why someone might have a thin credit file or no credit history. You might be on the younger side, so you’re just starting your credit journey. Or maybe you’ve never really given your credit much thought, and don’t have a ton of accounts in your credit history. And that’s okay! But it’s probably time to start working on your credit.

If you’ve started digging a little deeper into getting lines of credit, you might’ve stumbled upon a bit of a problem. You see, you need a decent credit file to get credit. And you need credit accounts to build your credit score. But if you don’t have a credit history, you can’t get the credit accounts you need to build your score. See the problem?

You need credit to apply for and build credit, but you don’t have any. And you really need credit—that’s how you get credit cards, auto loans and that’s how you can even rent an apartment. So what can you do? That’s where Build It can help.

Are you paying rent? How about utilities? Using Build It you can track down all those payments and report them to credit bureaus as credit tradelines. That adds more to your credit to help you get the credit history and score you deserve by considering those payments you are already making. As you establish more credit history, you can start applying for the lines of credit you need, like a credit card or even a mortgage.

If You Need More Credit Accounts, You’ll Love Reward It

Let’s say that you need a new credit card. Or maybe a new auto loan. You know what you need, but you probably don’t know where to start looking. Plus, there are a few factors that influence what offers you qualify for—most notably, you credit score.

You see, your credit score dictates both what accounts you qualify for and influences your interest rates. Plus, there are a ton of offers out there. And a lot of them sound pretty good, right? And on top of all of that, you have different financial needs. A certain credit card might work for someone else, but not for you. So with so many offers out there, how can you know which is the right one for you?

That’s where Reward It Can help. When you sign up for ExtraCredit, we show the offers that are best suited for your score.

Honestly, we haven’t even told you the best part yet: as soon as you get started with ExtraCredit, you’ll get a Credit.com credit card preloaded with five dollars. When you apply for the offers found in the Reward It portal and are approved, we’ll split the reward with you. That means we’ll send cashback rewards straight into your ExtraCredit debit card.

So not only do we help find offers most appropriate for your credit history, we’ll reward you every time you qualify for them with some cash. We don’t know about you, but that sounds like a win-win.

Ready to Retire? Guard It Will Keep You Safe

You’ve been working hard your whole life—for your family and your job. Whether you’re getting close to retiring, or you’ve already retired, you’re probably ready to kick back and relax. And we want you to enjoy your retirement, too!

But there’s probably something you should know. According to the FTC, senior citizens comprised of roughly 30% of fraud reports last year. Yes, we know that you probably aren’t a senior citizen. In fact, you’re probably thinking that we’re jumping the gun, right?

Here’s the thing: getting your identity stolen isn’t just a minor inconvenience. People who steal your identity can literally take your identity. That means they can open up credit cards in your name and potentially ruin your credit, as well as rack up tax debt in your name. If you fall victim to identity theft during your retirement, it could throw all your plans of rest and relaxation for a loop.

So what can you do? Guard It is here to help. Sure, criminals nowadays are sneakier. But we’re smarter. Guard It provides killer identity theft protection with three lines of defense against cybercriminals: Dark Web Monitoring, Compromised Account Monitoring and Identity Theft Insurance.

We’ll cover all your bases. Dark Web Monitoring continually scans the dark corners of the internet for breaches of your personal data; Compromised Account Monitoring will help catch unauthorized bank changes and open accounts; Identity Theft Insurance provides a $1,000,000 policy to protect you from financial harm.

Basically, we’ve got your back. Get ready to enjoy your retirement in peace.

Ready to Pull Out of a Credit Slump? Restore It is Here for You

Look, we’ve all been there. Maybe you’ve fallen behind on credit card payments in the past and you don’t know what should still be on your credit report. Maybe you know you have some inaccurate information on your credit report and aren’t sure what to do. Either way, your credit isn’t where you want it to be.

You already know this, but you need a decent credit score for a lot of stuff. You don’t want a few blemishes on your credit score to hold you back. And neither do we.

Luckily, we offer Restore It. You’ll get connected to one of the leaders in credit repair—CreditRepair.com. Restore It will give you a serious discount to CreditRepair.com’s services or another one of the leaders in credit repair, and you’ll be able to get help with credit repair process at a discount.

Planning on Applying for Lines of Credit? Use Track It

Let’s say you’re applying for student loans. Or maybe a mortgage. You could go ahead and apply without knowing your credit score. But the tricky thing is, most lenders will make a hard inquiry into your credit to see if you qualify. That’ll ding your credit score.

If your credit score is already iffy, and you get a hit due to a hard inquiry for something you didn’t qualify for to begin with, you just went through a credit score drop for nothing. That’s why you need to know your credit score. Plus, you’ll need to keep an eye on any other suspicious activity in your credit report.

Here’s another thing to keep in mind: you actually have more than one credit score. So you’ll actually need to keep track ofyour various scores. And one more thing: different lenders look at different credit scores. Which means that the score an auto lender sees might be completely different than the score a mortgage lender sees. Feeling overwhelmed yet?

Don’t. Because Track It is here to help. It’s a credit monitoring service that’ll track (see what we did there?) 28 of your FICO scores. You might not have even known that you had 28 FICO scores. But you do, and we’ve got them. Plus, it’ll show you your credit reports from all three credit bureaus.

You’ll also get your credit report card, which dives into the five main factors that play into your credit score. And you’ll get advanced credit monitoring and alerts, because we’re just that careful.

ExtraCredit is Here to Help—No Matter Your Financial Situation

No matter what financial situation you find yourself in, ExtraCredit can help. And sure, there are other similar products out there. But none of them give you identity theft protection, cashback rewards and a credit monitoring service, all while giving you tools to help you build your credit profile—all for $24.99 a month.

Trust us, you won’t want to pass up on an opportunity like that. So let’s get you started—sign up for ExtraCredit today.

Disclosure: Credit.com and CreditRepair.com are both owned by Progrexion Holdings, Inc. Credit.com may receive compensation if a subscriber signs up for CreditRepair.com services.