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Is It Safe to Use is a website that provides consumers with free access to credit reports from the three largest credit bureaus in the United States, namely Experian, TransUnion, and Equifax. 

After passing the Fair and Accurate Credit Transactions Act (FACTA) in 2003, these three credit bureaus worked together to create The act affirms that U.S. citizens have the right to review credit reports from the major credit bureaus once a year free of charge.


Is legit?

Yes, is legit. As a matter of fact, it is the only website that is authorized by U.S. federal law to provide free annual credit reports. 


Is Reliable to Use?

There is no doubt about this, won’t hurt your credit score. For the fact that to review your own report would be considered a soft check (“soft inquiry”). There is a difference between a soft inquiry and a hard inquiry for the latter lenders run when you apply for new credit accounts. While hard inquiries may lower your credit score, soft inquiries won’t hurt it, they are invisible to potential lenders too. There is no harm in checking your credit reports as much as you want.


Is It Safe to Use

If you are landed on the right site, it is safe to use, the website uses an encryption protocol (SSL) to protect your data. However, sometimes fraudsters might create what we call “impostor” sites that look like, so when you do the check, make sure you're getting into the right site. You can always use web protection methods such as VPN to protect you from scams.


How to Make Sure Your Data Is Safe and Protected?

VPN is widely accepted to be the best way to protect your online security and privacy. Among many services, VPN Unlimited is without a doubt the best solution.

Best VPN Protocols

VPN Unlimited provides a variety of secure protocols, each of them comes with its unique capabilities and strengths. You may decide what protocols your device supports and your network. Then choose the one that can balance between security and online freedom.

By default, VPN Unlimited will use the optimal VPN protocol that suits your network, but you may configure your application to use other protocols.


Best VPN Protocol Encryption

As far as protocol encryption is concerned, the common encryption methods are 128-bit and 256-bit. They are of military level and are widely used by the U.S. government.

Normally, 128-bit encryption is already uncrackable from brute force, However, considering the scale of resources that the NSA seems to have thrown at cracking encryption, it is a better practice to upgrade cipher key lengths to 256-bit. Therefore, it would require twice as much computational power to break it compared with a 128-bit one.

That’s also why VPN Unlimited ensures the best security and performance, as it uses the 256-bit encryption algorithm with all VPN protocols.

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other platforms

VPN Unlimited is also part of MonoDefense security bundle.