Credit Monitoring

Track your credit score for free

Know where you stand so you can gain confidence in where you’re headed.

  • Get instant access to your Vantage Score 3.0® by Experian®1
  • View credit usage, open accounts, and payment history
  • Receive alerts to help detect fraud and get ahead of surprises

380,000+ 5-star reviews — and counting

Downloaded over 15M times and referred 570k times by
EarnIn Community Members in the past year alone.

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Jumpstart your credit goals — today

Whatever your plans, your credit score can get you there.

Stress less about what’s next

See what lenders or landlords may see, so you can better plan for your next opportunity.

No hard or soft pull

Checking your score will not impact your score. (Say that 10 times fast.)

Protect yourself from fraud

If there are any major changes to your credit, you’ll be the first to know with real-time alerts.

Doesn’t affect your Max

Your score is not used to determine your access to earnings.

Live every day your way

Free credit monitoring is just the start

By signing up for EarnIn, you also get access to up to $100/day [up to $750 per pay period2] of your money as you earn it. (It’s called everyday payday, and our community loves it.)

Get Started

Getting started is easy

  1. 01

    Download the EarnIn app and verify your info

  2. 02

    Opt in for free credit monitoring to see your score 

  3. 03

    Get access to your earnings as you work

Sign up for free
  1. Credit Monitoring app
  2. credit slide bank selections page
  3. Credit Monitoring app

Getting started is easy

Credit Monitoring app


Download the EarnIn app and verify your info

Credit slide bank selections page


Opt in for free credit monitoring to see your score 

Credit Monitoring app


Get access to your earnings as you work

Always safe, always secure

We use the latest in security technology to keep your data protected. And we never sell your personal information — period.

And we’re here for you 24/7

We strive to respond to your questions in less than 60 seconds3. But we’re always working to beat our record...

Frequently asked questions

Navigate your credit with confidence

So you can get closer to those big dreams.

Activehours, Inc. NMLS #2535570
EarnIn US1 LLC NMLS #2567882

EarnIn is a financial technology company, not a bank. Bank products are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

Credit Monitoring is subject to approval.

1Calculated on the VantageScore® 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Learn more:

2Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see for details

3Actual response times vary

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