The short answer
A charge from EXTRACREDIT* CREDIT.COM corresponds to the ExtraCredit 28-FICO score monitoring and credit building tool suite from Credit.com Inc.
Why it shows up like this
An EXTRACREDIT* CREDIT.COM entry on your billing statement indicates a paid monthly subscription to the ExtraCredit 28-FICO Credit Monitoring platform run by Credit.com Inc. Consumers frequently enroll in this financial tool when applying for home mortgages or auto financing alongside alternatives like myFICO Ultimate or Credit Sesame Premium. The service provides specialized FICO score variations from major credit bureaus and rent reporting tools.
The charge typically amounts to $24.99 per month and appears on a recurring basis. A common trigger is an introductory 7-day trial that rolled into an active paid membership after the promotional period elapsed without cancellation. Cardholders also see this line item if they set up automated identity protection months ago and left the account active.
To stop future payments, sign in at credit.com/extracredit and open your account settings to cancel your subscription. You can also reach their customer service desk by calling 1-844-348-7246 to confirm account closure. While Credit.com Inc. generally treats monthly billing fees as non-refundable once drawn, canceling halts all subsequent cycles. If you never created a Credit.com account and suspect someone used your card details, contact your bank to dispute the charge and request fraud protection.
Common reasons for this charge
- A 7-day free trial concluded and rolled into the standard monthly recurring plan.
- An ongoing monthly ExtraCredit subscription renewed automatically.
- A user activated rent and utility credit reporting to build their score.
How to locate the invoice and cancel
- Log in to ExtraCredit Go to credit.com/extracredit and sign in.
- review to Account Settings Click Profile > Manage Subscription.
- Cancel Plan Select Cancel ExtraCredit or call support at 1-844-348-7246.
Frequently Asked Questions
Can ExtraCredit be canceled online?
Yes, you can cancel your subscription inside the ExtraCredit account management portal under Manage Subscription.
Does ExtraCredit provide refunds?
Monthly subscription fees are non-refundable once charged, but cancellation prevents future billing cycles.
Dispute Rights & Fraud Prevention
If you did not subscribe to ExtraCredit, review your statements for any additional unexpected charges.
You can dispute unauthorized credit card transactions with your bank under the FCBA within 60 days.
How do I report an unauthorized Credit.com charge?
Contact Credit.com support at 1-844-348-7246 and file a dispute with your card issuer.
How long does a card dispute take?
Under federal law, banks must resolve dispute investigations within two billing cycles or 90 days.
Independent reference — not affiliated with Credit.com Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Credit.com ExtraCredit Terms of Service https://www.credit.com
- CFPB: Free and Paid Credit Score Monitoring https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges