Credit Hero Score

What Credit Hero Score does

Credit Hero Score is a Los Angeles-based, direct-to-consumer subscription service that provides credit monitoring and identity protection to individual US consumers in the contiguous United States. The company's core offering combines credit reports and VantageScore 3.0 scores from all three major US credit bureaus (Equifax, Experian, and TransUnion) with identity-protection features including dark-web monitoring, Social Security number monitoring, USPS change-of-address monitoring, and up to $1 million in identity theft insurance underwritten by Assurant.

The platform is delivered through a self-serve web portal with multi-step registration and identity verification. Core products are "My Credit Manager" (credit reports and monitoring) and "Identity Protect" (identity-theft protection), supplemented by add-on modules such as Credit Score Simulator, Debt Analysis, Credit Scores Tracker, Credit Score Factors, and Personal Info Protection (data broker opt-out). The technical foundation is composed of integrations with the three credit bureaus, Constella Intelligence for dark-web scanning, USPS for address-change signals, and Assurant for insurance underwriting, secured via 128-bit encryption and PCI-DSS compliant payment processing, with stated CCPA, GDPR, and COPPA compliance.

Revenue is generated through a single-tier subscription: a $1.00 seven-day trial converts to $27.99 per month with auto-renewal and 1-click cancellation. Customer acquisition is product-led through the company website plus email and SMS marketing, with seven-day-a-week support via phone, email, and chat. The company does not disclose funding, headcount, executives, or subscriber counts, and appears to operate as a self-funded, small-scale private business.

Name

Credit Hero Score

Legal name

Credit Hero Score

Website

https://creditheroscore.com

Company type

Private

Operating status

Operating

Short description

Credit Hero Score is a Los Angeles-based consumer subscription service offering tri-bureau credit monitoring, VantageScore 3.0 scores, dark-web and SSN monitoring, and up to $1M in identity theft insurance to individual US consumers at $27.99 per month.

Ownership category

akta.pro rank

Product category

Consumer Credit Monitoring & Identity Protection

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Credit Repair & Credit Score Advisory (FSAEAFAD)

Keywords

• Credit monitoring services
• Identity protection services
• Credit score tracking
• Dark web monitoring
• Identity theft insurance

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. Monthly Subscription: Recurring monthly membership fee of $27.99 (including all applicable taxes and fees) following a 7-day trial period at $1.00. The subscription automatically renews each month until cancelled by the customer.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Credit Hero Score is a subscription-based consumer credit monitoring and identity protection service that provides unlimited access to credit reports and VantageScore 3.0 credit scores from all three nationwide credit bureaus (Equifax, Experian, TransUnion), alongside dark web monitoring through Constella Intelligence, Social Security number monitoring, change of address monitoring via USPS, and up to $1,000,000 in identity theft insurance underwritten by Assurant. The offering is delivered through a single online membership sold on a $1 seven-day trial that converts to a $27.99 monthly auto-renewing subscription.

Product overview

Credit Hero Score is a subscription-based credit monitoring and identity protection service. The core product consists of My Credit Manager (providing Vantage 3.0 credit scores and monitoring from TransUnion, Equifax, and Experian) and Identity Protect (dark web monitoring, SSN monitoring, and identity theft insurance up to $1M). An add-on module called Personal Info Protection allows members to opt-out of data broker websites. The membership includes access to all three credit bureau reports and scores, enhanced credit alerts, debt analysis tools, credit score tracking history, credit score factor insights, and a credit score simulator. Identity protection features include dark web monitoring via Constella Intelligence, Social Security Number monitoring, and Change of Address monitoring in partnership with USPS. The service operates on a tiered model with a 7-day $1 trial followed by $27.99/month recurring membership.

Differentiator

Problem solved

Functional benefit

Products and services

• My Credit Manager
• Identity Protect Identity theft protection offering that monitors online activity (dark web monitoring), provides change of address and Social Security number monitoring, fraud prevention, and up to $1,000,000 in identity theft insurance and restoration services.
• Pip Mini / Personal Info Protection Add-on product offering that allows members to view and remove certain personal information published by third parties on data broker websites. Listed as a separately named 'Pip Mini' membership component in the billing disclaimer.

Quantifiable outcome

• Identity theft protection up to $1,000,000 in coverage
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• EquifaxcoreTechnology or IntegrationCredit information provider supplying consumer credit reports and credit data. Credit Hero Score obtains credit information from Equifax as part of their 3-bureau credit monitoring service.
• ExperiancoreTechnology or IntegrationCredit information provider supplying consumer credit reports and credit data. Credit Hero Score obtains credit information from Experian as part of their 3-bureau credit monitoring service.
• TransUnioncoreTechnology or IntegrationCredit information provider supplying consumer credit reports and credit data. Credit Hero Score obtains credit information from TransUnion as part of their 3-bureau credit monitoring service.
• Constella IntelligencecoreTechnology or IntegrationDark web monitoring partner that searches thousands of internet sites where consumer personal information is suspected to be bought and sold. Provides monitoring for Social Security numbers, driver's licenses, credit/debit cards, bank accounts, passport, phone numbers, email addresses, physical addresses, and medical IDs. Constella Intelligence regularly reviews and adds new sites to search.
• AssurantcoreOthersThird-party underwriter and administrator of Identity Theft Insurance. Provides up to $1,000,000 in protection against identity theft and white-glove assistance to restore compromised identity. Underwrites group or blanket policies as described in Summary of Benefits.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Experian (IdentityWorks): One of the three nationwide CRAs offering its own consumer credit monitoring and identity protection subscription (IdentityWorks), with bundled FICO and 3-bureau features.
• Credit Karma: Intuit-owned, free credit monitoring and score service across all three bureaus, plus identity and financial product marketplace. Most direct competitor on the consumer credit monitoring value proposition.
• Equifax (ID Watchdog): Bureau-direct identity and credit monitoring subscription product competing head-to-head on 3-bureau monitoring and identity restoration.
• Aura: Direct-to-consumer digital identity theft and credit protection subscription with credit monitoring, VPN, and $1M insurance — a focused bundled competitor.
• IdentityGuard: Aura-owned identity and credit monitoring service offering 3-bureau monitoring, alerts, and identity theft insurance directly comparable to Credit Hero Score's bundle.
• Norton LifeLock: Established identity protection subscription with credit monitoring, dark web surveillance, and insurance — a scaled incumbent in the same category.
• IdentityForce: Consumer identity protection and credit monitoring subscription with dark web, SSN, and change-of-address monitoring, closely overlapping Credit Hero Score's feature set.
• PrivacyGuard: Subscription credit monitoring and identity protection service with credit scores, reports, and identity theft insurance — directly comparable positioning and price tier.
• myFICO: FICO's official consumer credit monitoring product, offering true FICO scores and 3-bureau monitoring — a premium alternative for users who want lender-used scores.
• TransUnion (TrueIdentity / Credit Monitoring): Third nationwide CRA with a consumer credit monitoring offering that directly overlaps Credit Hero Score's core product.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Hero Score