I like it, the alerts are helpful, the education is useful but it doesn't keep current. It continues to report my credit utilization inaccurately this ultimately affecting my score. When asked what is the deadline for paying off the account before reporting so that I am not continually receiving negativity to my credit report, they could not adequately answer...hmm. Very shady and thus this whole system needs to be abolished. These agencies comprised our security and still get to exist?