Everything you need to know about credit monitoring, billing, and security.
Your credit scores from all three personal bureaus (TransUnion, Equifax, Experian) and business bureaus (D&B, Experian Business, CreditSafe) are refreshed monthly. After initial signup, your first scores may take up to 24 hours to appear as we establish your bureau connections.
Personal credit monitoring tracks your individual credit scores across the three major consumer bureaus. Business credit monitoring tracks your company's credit profiles across D&B, Experian Business, and CreditSafe, giving you insight into how lenders and suppliers view your business.
No. Clear Credit uses soft inquiries to retrieve your credit information. Soft inquiries do not affect your credit score in any way. Only hard inquiries from lenders when you apply for new credit can impact your score.
You receive an instant alert whenever any of your bureau scores change by more than 5 points. The alert includes the bureau, the direction of the change, and your new score so you can stay on top of your credit health.
Our personal credit monitoring plan starts at $32.49/month. Business plans range from $39.99/month (Track) to $74.99/month (Expand). You can save 15% by choosing annual billing. A $7 first-month trial is available for new members.
Yes. You can cancel your subscription at any time from your dashboard under Subscription. There are no cancellation fees or penalties. Your access continues until the end of your current billing period.
We accept all major credit and debit cards through our secure Stripe payment processor. Your billing information is encrypted and never stored on our servers.
If you cancel within your trial period, you will not be charged. For paid subscriptions, cancellations take effect at the end of the current billing cycle. We do not offer prorated refunds for partial billing periods.
Yes. You can add a second person to your personal plan for $5/month, and a second business to any business plan for $7/month. Manage add-ons from your dashboard subscription page.
All sensitive data, including your Social Security Number, is encrypted using AES-256 encryption both in transit and at rest. Access to your full SSN is restricted and requires admin authorization. You can toggle SSN visibility with a secure eye-icon control.
Only you and authorized Clear Credit administrators can view your documents. You control which third parties, such as QUENTIN SMITH MERGERS AND ACQUISITIONS, can access your credit report through the authorized users feature in your dashboard.
During onboarding, you may be asked to provide identity verification documents and proof of address. Government ID is not required. Your case manager will guide you through any additional documentation needed for dispute processing.
We retain your credit monitoring data for as long as your account is active. If you cancel your subscription, your data is securely deleted after 90 days unless you request earlier deletion. You can request data deletion at any time by contacting support.