Good free account, dont bother getting the paid as its a waste of money. You can freeze your credit for free (Federally mandated to be free). Giving 4/5 stars because of the notification baiting, it's annoying seeing an "ALERT! You may be eligible for xxxxxx card" or things similar to that. Can't figure out how to change it so that it doesn't pop up offer spam (app notifications).
Half of the things I do on this app, including making an account (after typing in all my info several times) and linking my FICO scores, results in the Experian loading icon before just going back to the previous page or giving a "something went wrong" screen. I wish I could use the app, I'm sure it's great.
App is ok. Simplify it. Less ads. If we need it, we will get it. My issue is with their Smart Money boost. Not recommend. This service not only made my payment have late fees but also a return fee. It kept declining my bill payment even though the funds were in my account. I am trying to BUILD credit, not get BAD credit. I just closed that account. I can't chance it happening again. Especially since they didn't even offer to cover the extra fees their service caused.
If you are in need of a credit reality check, look no further. With insights of where you are, were & could be at your fingertips, it's a no brainer. I've been happy with the standard version vs the pay version, I'd definitely take advantage of the premium version when financially able. Although your credit score is lower on this site vs Chase Bank or others offering a credit score using a different algorithm, it's a bit more reality vs that ego boost you feel. 5 stars & highly recommended!
Unsubscribed to all offers. App pops up with 2 or so notifications with offers a day. I don't want to silence notifications as I wouldn't see critical alerts. Also, support won't answer my wife's email so they can delete her account and sign up with my family plan (she did the delete through the website but it didn't delete it). Because that is a fun thing in this day and age. Can't just link an account... honestly I don't know why I've been paying for a family plan we can't get the benefit from
This is a solidly good app. I check it regularly to see where my scores are at any given time. My only complaint is that I'm constantly getting notifications that there has been a change to my score when the reality is the change occurred weeks or even months prior. Edited to add: Yes, we absolutely can request to get or not notifications. What we signed up for are notifications due to changes or things that require our attention. Not notifications about changes that occurred months prior.
Edit: you guys are still doing it I literally just got a notification saying that my score went up when it definitely did not. you are trying to get people to get on the app by lying. They constantly send notifications lying that my score went up when absolutely nothing changed. I'm sure it's to get more interaction with the app since there's almost no reason to use it more than once every few months. The notifications in general (even with the not needed ones turned off) are so annoying.
I love the app, but I have 2 problems: 1. I find the dispute center generally very confusing, and there isn't a place to enter any extra comments for any ongoing dispute or even a final comment for a dispute, 2. I don't see progressive steps I can take to improve my credit. If it's available, it would seem to be under an unknown menu, and I believe something that is as important as a plan to improve your credit would and should be in a far more accessible place to people - like the Dashboard.
The app works well. However, as mentioned, even if you turn off all notifications except for credit alerts, you still get Several alerts. three or four per day. sometimes the same one. It has become such a nuisance that I blocked the app notifications on my phone. I understand it helps to pay for the free app, but several times a day is annoying. changed my rating to 2 stars after the sarcastic response.
I've never given a one-star rating until today. Attempting to sign-in is a nightmare, constantly flipping back and forth between the app, and SMS, only for nothing to happen multiple times. Upon calling a representative, I was told to wait three days to attempt to login again, so I did. Upon calling another, I was constantly going in circles about incorrect information, and no knowledge of a single security question. Scanning ID is impossible, the app is impossible, I've been at this for months.
