Credit can be confusing! Like... Understanding credit reports Staying on top of every transaction Wondering why your score has decreased (again)... Our members are matched with a Personal Credit Specialist that is there to help them understand exactly what is happening with their credit. Our members are provided with updates on the changes to their credit. They also receive recommendations on exactly what to do to improve it. Most of all, their Credit Specialist is there to do the heavy lifting on their behalf to focus on the factors of their credit that will have the biggest positive impact.