MoneyLion Credit Monitoring is a free product that offers a 360 view into your financial situation. As a Credit Monitoring customer, you get access to your credit score, the factors that impact your score, and even receive recommendations and content to help you make better financial decisions regarding your credit.

Credit Monitoring is absolutely free and available for all MoneyLion customers. To access Credit Monitoring, simply visit the MoneyLion app, and tap on Credit Monitoring in the accounts section. You will need to provide some important information to gain access to your credit report. To access your credit report, you will need to pass our identity checks and prove you are you.

A credit score is a number calculated from a model to predict how likely you are to repay debt on time. There are multiple credit bureaus in America that manage their own models/formulas. MoneyLion uses VantageScore 3.0 to provide the best, most accurate scores to our customers. High scores could give you access to preferential loan rates, credit cards and more.

Applying for loans or financial products might have an impact on your score, but not MoneyLion Credit Monitoring. We work as a provider for your data and signing up for Credit Monitoring will not have any negative impact to your score. It will provide you with clarity and details that put you in a position to make good decisions and improve your score over time.

Credit Monitoring makes credit reports simple and easy to understand. We visualize your credit report so that you always know where you stand and we point out the main contributors that are affecting your score in a positive or negative way. Through learning about your credit, and seeing the impact of the accounts that you own, you can focus on making good decisions that may improve your score over time.

We also provide recommended offers from the MoneyLion marketplace that you can consider. These include credit builders, credit cards and loans that might be able to help you in certain situations.