Credit One offers your Experian ScoreX credit score, updated on a monthly basis.
They also have credit monitoring to let you know once something important happens on your credit report. It's not the best package, if you ask me, but it's free. You can also get your credit score for free on WalletHub and it's updated daily.
You can get Credit One to pre-qualify you for one of their credit cards online, by accessing their pre-qualification page. The process will not hurt your credit score, as Credit One just does a soft inquiry.
If you’re prequalified for a Credit One credit card, your odds of acceptance are typically around 90%, should you decide to apply for real. But approval is not guaranteed. Prequalification simply means you may qualify for one of their cards based on a preliminary review of your credit report. You’ll still have to submit an application. Then, Credit One will pull your entire report. This is done with a “hard pull” or “hard inquiry,” which may cause your credit score to dip slightly.… read full answer
Credit One cards are designed primarily for people with bad credit and are fairly easy to get. However, if there are things like unresolved bankruptcies or tax liens on your credit report, Credit One might still reject your application. Otherwise, the odds are in your favor.
Credit One now offers free credit scores from Experian. Credit One cardholders can access their free credit score simply by registering for online account access on the Credit One website. This credit score, along with a summary of your credit report, is updated once per month.
Offering free credit score access to their cardholders is a recent move by Credit One. In doing so, they join the ranks of many other card issuers. Keeping track of credit scores may be especially important to Credit One cardholders because many of them are in the process of rebuilding their credit.… read full answer
That said, there’s no need to wait for once-a-month updates while rebuilding your credit. A free WalletHub account will get you daily credit score updates, plus personalized credit improvement tips for your situation.
The Credit One Bank® Platinum Visa® reports to the credit bureaus monthly, within days after the end of a cardholder’s monthly billing period. Credit One Platinum reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Credit One Bank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.… read full answer
Once Credit One Platinum reports your account information to a credit bureau, it may take a few days before the updates appear on your credit report. New Credit One Platinum cardholders may not see any new credit account info on their credit report for one or two billing periods after getting a card.
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