None of the information provided by this app is accurate. They give you a credit score but it does not reflect what your credit score actually is. Your score depends on who is pulling your report, why they are pulling it, and what the OTHER TWO BUREAUS report. This app will not help, it does not boost your score, it cannot effect the other credit companies and if you take actions based on the information provided you will be disappointed. you have been warned. Wish i could give negative stars