This app is not even close to accurate. It takes 3 times as long for them to track your credit compared to any other actual credit reporting agency unless it's an inquiry and then they're right on top of that. The estimations this app gives for mortgage equity and those kinds of things are waaaaay off. There is a specific reason why no financial institution in the United States uses the information from this company to make lending determinations and that is because it is so far off and behind.