Frequently Asked Questions

A credit score is a three-digit number that represents your creditworthiness based on your credit history. It typically ranges from 300 to 850, with higher scores indicating better credit health. Your credit score is important because it affects your ability to get loans, credit cards, mortgages, and even impacts insurance rates and rental applications.

Credit scores typically update monthly when creditors report new information to credit bureaus. However, the exact timing can vary depending on when your creditors report and which credit bureau is being used. CrediMetric provides real-time monitoring to keep you informed of any changes as soon as they occur.

Five main factors affect your credit score: Payment history (35%), Credit utilization (30%), Length of credit history (15%), Types of credit accounts (10%), and New credit inquiries (10%). Payment history and credit utilization have the biggest impact on your score.

We use bank-level security measures including 256-bit SSL encryption, multi-factor authentication, and secure data centers. Your personal information is never shared with third parties without your explicit consent, and we comply with all relevant data protection regulations.

No, checking your own credit score through CrediMetric is considered a "soft inquiry" and does not impact your credit score. Only "hard inquiries" from lenders when you apply for credit can temporarily lower your score.

If you cancel your account, we will securely delete your personal information within 30 days, except for data we're legally required to retain. You can also request immediate data deletion by contacting our support team.

The free plan includes basic credit score monitoring, monthly credit reports, educational resources, and basic credit improvement tips. You'll also get alerts for significant changes to your credit profile.

Yes, you can change your subscription plan at any time. Upgrades take effect immediately, while downgrades will take effect at the end of your current billing cycle. You'll receive a prorated refund for any unused premium features.

You can cancel your subscription anytime through your account settings or by contacting our support team. Your premium features will remain active until the end of your current billing period.

Credit improvement timelines vary depending on your starting point and the actions you take. Minor improvements can be seen in 1-2 months, while significant improvements typically take 3-6 months of consistent positive credit behavior.

The fastest ways to improve your credit score include: paying down credit card balances to reduce utilization, making all payments on time, disputing any errors on your credit report, and avoiding new credit applications unless necessary.

Generally, it's better to keep old credit cards open, especially if they don't have annual fees. Closing old accounts can reduce your available credit and shorten your credit history, both of which can negatively impact your score.