Take control of your credit

Take control with 3-bureau credit reports, dark web scans, real-time alerts, and tools to help you understand and improve your credit.

Start free trial

Sure Credit is a credit education and monitoring service available to U.S. residents aged 18 and over. After your 14-day free trial, your subscription will automatically renew at $39.95/month unless you cancel during the trial period. We do not offer credit repair, and we do not guarantee improvements to your credit score or approval for credit products. Results may vary based on individual financial behavior and credit history.

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Take control with

Accurate reporting

Get full credit data from all three bureaus, updated regularly.

Smarter credit decisions

Track payments, balances, and factors that impact creditworthiness.

Personalised tips

Understand what's helping or hurting your score and how to take action.

Better financial planning

Use credit insights and tools to plan your next move.

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Understand what
lenders see

We want you to be confident before applying for loans, credit cards, or any other form of credit. Oversee vital aspects of your credit habits.

Monitor key factors - like credit utilization, payment history, and identity verifiers - to actively try and boost your credit score.

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Features

3-bureau credit reports

See your full credit file from TransUnion, Experian, and Equifax.

Real-time credit alerts

Get instant alerts for changes or suspicious activity.

Dark web monitoring

Scan for breached or leaked personal info.

Smarter credit insights

Learn what's impacting your score - and how to work on it.

Tools for better financial decisions

Read guides, FAQs, support and insights to plan your next move.

What lenders see, in your hands

Understand how lenders evaluate you - and how to boost your creditworthiness.

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How it works

Create your account

Start with a 14-day free trial, then $39.95/month. Cancel anytime - no contracts.

Connect reports & run dark web scan

Connect your TransUnion, Experian, and Equifax reports. Then run your dark web scan.

Review your results

View your credit reports, scores, and any alerts - all in one place.

Get your personalized action plan

We'll show you what's affecting your score and any breaches and how to respond.

Real-time alerts

Get notified of changes to your credit or if your data is exposed.

Track progress

Watch your credit with insights, tips, and regular updates.

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Understand & take control

Your score is based on five key factors: payment history, credit utilization, credit age, new credit activity, and credit mix. Each bureau (TransUnion, Experian, Equifax) uses slightly different models.

With Sure Credit, you can:
  • View your 3-bureau reports and scores
  • Understand what's helping or hurting your credit
  • Get actionable steps to improve over time
  • Monitor things lenders care about - like on-time payments, utilization, and credit age - to build a stronger profile
Credit score
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Explore loan offers - no membership

Looking for a personal loan? Use our free loan request tool to see offers based on your credit profile. It's optional, doesn't affect your credit score, and is separate from your Sure Credit subscription.

Free and no obligation
No credit impact for checking
Fast, secure, and private

Sure Credit is not a lender and does not make credit decisions, nor can we recommend which offer may be most suitable for you. Offers are from third-party lenders. Terms vary by provider and state.

Start my loan request
Loan application

Useful links

Sure Credit is a credit education and monitoring service that helps you understand and manage your credit. The content and tools provided by Sure Credit are for information and educational purposes only and do not constitute financial, legal, or credit advice. You should consult a qualified professional before making financial decisions. Your membership includes access to full 3-bureau credit reports and scores, dark web scans, real-time alerts, personalized action plans, and financial tools. Membership starts with a 14-day free trial. After the trial, a monthly fee of $39.95 applies. Cancel anytime.

We also offer a separate, free Loan Request feature available to all users. This service allows you to submit a request and be matched with independent, third-party lenders. You may receive one or more loan offers based on your credit profile. Participation is optional and does not affect your subscription.

Sure Credit is not a lender, does not provide loans, make credit decisions, or act as an agent, representative, or broker of any lender. We do not endorse or charge users for access to any loan product or offer. Our subscription service for credit education and monitoring is separate and billed at $39.95/month after a free trial.

Important Disclosures
APR Disclosure

APR ranges vary by lender and loan type: Cash advance loans: 200% - 1386%, Installment loans: 6.63% - 485%, Personal loans: 4.99% - 450%. Your lender will provide the exact APR and terms before you commit. Some lenders may not be subject to state APR limits.

Compensation Disclosure

This website is part of a for-profit referral network. We may receive compensation from lenders or partners, which may influence the loan offers shown. Not all lenders or offers are included.

Credit Implications

Submitting a loan request does not impact your credit. However, matched lenders may run credit checks with one or more bureaus (Experian, Equifax, TransUnion), which could affect your credit score.

Tribal Lender Notice

Some lenders may be tribal entities, which operate under tribal or federal law, not state law. These loans may carry higher rates, and disputes may be resolved in tribal jurisdictions.

Exclusions

The Loan Request feature is not available to residents of Arkansas, New York, New Hampshire, Vermont, or West Virginia. Loan availability and terms vary by lender and state law and may change without notice.