How to upgrade or downgrade to ExtraCredit

You can downgrade or upgrade your ExtraCredit subscription under your My Account section of your ExtraCredit portal or by clicking here (you must be logged in first).


If you are downgrading, then here are a few things to keep in mind when downgrading your services with ExtraCredit.

  1.   You won’t have access to ExtraCredit after your next billing date, but you’ll still have access to your free Credit Report Card at
  2.   If you have rent and utility payments that began reporting to the credit bureaus, you will have 14 days to reinstate ExtraCredit services before your rent and utility payments will stop reporting. If you utilized the LOQBOX savings feature and would like to discontinuing, you will need to contact LOQBOX directly.

  3.   Account Monitoring, Dark Web Monitoring, and ID Theft Insurance will be stopped day of downgrade.
  4.   After your next billing date, you’ll only have access to your free VantageScore 3.0 from Experian that is updated every 14 days through
  5.   If you utilized RestoreIt with, your $24.99 discount on credit repair services will still continue unless you have cancelled with directly.


Please go to: My Account - Manage Services.

You will be able to upgrade to Extra Credit or downgrade to Basic.

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