It was started in 2021 by Steve Nison. He had been doing a lot of research and testing on credit scores and rating systems. That's when he came up with an idea to create a credit report monitoring system and company.

So how does ExpressPCT distinguish itself from its competitors? It's obvious that they are much more thorough when it comes to cleaning up your credit. Other companies simply publish reports once a month, but ExpressPCT only checks their reports at least two times per year.

When you sign up for their service, you receive an account number. You then log into the account, click on your report to access it and view any items that need to be deleted. You also get detailed information about each of the credit bureaus listed. These bureaus are Experian, Equifax and TransUnion.

So why is my score so low? In order to find out why my score is low, I did a search on Google. It turns out that many people have a low score. They just don't realize it.

The main problem is that they are paying bills and buying groceries with plastic money. They don't realize that they don't have good credit. And when you don't pay your bill on time, the credit companies report the late payment to the credit bureau. When they list your account as delinquent, it drops your credit score. That's why it is so important to manage your credit well.

I decided to do my own expresspct review after learning from my spouse. It turned out that there were many negative comments online about this company. I wanted to do my homework before I decided.

I did a little research to see what other people had to say about this company. I also called them to ask questions and clarify things. I was impressed with the answers I got and felt confident that ExpressPCT was right for me. They offer a great product with many added benefits like a credit freeze after three months and a credit repair after twelve months.