Profinity Review

By Kevin Mercadante


Have you ever taken a good look at your credit reports? All of them? Seriously. While most people may be aware that they should be looking at their credit report on a regular basis, most do not. Profinity has decided to change all this and make it easy for regular people to check their credit reports, all three of them, whenever they want. This service not only gives you access, but also provide monitoring service with automated alerts. If anything ever changes on your reports, you will be notified immediately. This makes it easy for you to avoid becoming a victim of identity theft and even just incorrect information.


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Features & Highlights

As soon as you sign up for the Profinity service, you will receive immediate access to all three credit reports and scores. The scores themselves will be calculated using a proprietary method; although they are not the same scores that lenders use, they will be very close approximations, based on the same exact data. The actual system is quite comprehensive, with a lot of information available to help educate members about credit and credit issues. Learn how to dispute incorrect information and even fight identity theft. The service also includes 24/7 monitoring of all your credit files. Any time there is a change in certain areas (a new address listed, new accounts opened, inquiries, etc…) you will receive an automated email alert. In other words, you will now have the ability to control your entire credit and financial situation.

Identity theft has also become a large and growing problem. In an effort to help you avoid becoming a victim, Profinity also has included identity theft protection services in their package. This includes up to $1,000,000 of insurance to help with credit restoration should you ever become a victim (not available in all states). There are also a number of financial and credit scenario calculators and planners.

Sign Up Process

There is a very simple and clear three step process for signing up with Profinity. Simply enter in your basic contact and personal details and then you should be good to go. The system will require you to enter in your social security number and personally identifiable information. Do not worry about this since everything is securely protected, using strong data encryption and numerous firewalls. Also, verify your identity by answering the multiple choice questions listed in the final step. Additionally, you will be required to enter a credit or debit card and are charged a $1 refundable fee.

Pricing Concerns

Certainly, the ability to access all of your credit reports and scores for a measly buck is a valuable service. Not only that, but consider all of the additional options, tools, and services that you will receive for the money. Of course, this is only on a trial basis. After your first 7 days are finished, the credit card on file will be charged the normal $29.95 monthly membership fee, which is ongoing. This includes monitoring, alerts, financial and credit calculators, and even tons of educational materials. All in all, this should be considered more of an investment than a cost.

Customer Support

The best place to start when you have a question or are looking for support is with the Profinity site itself. There are a number of helpful frequently asked questions and answers. While this should answer almost every question you have, the educational articles and explanations right in your member area are also very helpful. You may also send an email to the company, which should be answered very quickly by a knowledgeable support agent. Or, give them a phone call.

Ease Of Use

The user interface included with your membership to the Profinity service is easy to use, even if you are not technically inclined. As soon as you log in, all credit reports will be immediately accessible. On top of this, there are very clear instructions as to how to do everything such as setting up alerts and even examining how each of the sections or areas of your credit history affects your scores and situation.

Bottom Line

Profinity has developed a very helpful and user friendly system for managing and maintaining credit. Everything from access to monitoring, alerts, and education has been brought together in one easy to use system.

Contact Information:

2385 NW Executive Center Drive Suite 100
Boca Raton, FL 33431


  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.


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