Credit Building Tips

Is 'Rocket Credit Scores' Legit?

Shaun Connell
June 23, 2023

When you search the question "Is Rocket Credit Scores legit" on Google, you end up with a lot of mixed results. Some forums report that this is undoubtedly a scam, while others state that it's a service offered by the legitimate company Rocket Money Inc.

So, which is it?

Solution icon It appears that there may have been a website-- that was used as a part of a potential scam. This site is no longer active, though. On the other hand, there is a real company called Rocket Money (owned by the same company as Rocket Mortgage) that offers a personal finance app. One of the features of this app is helping you keep track of your credit score.

Let's take a look at what you should know about accessing your credit scores using Rocket Money's service.

What Is 'Rocket Credit Scores'?

When you search for 'Rocket Credit Scores' using a search engine, you'll find all kinds of disconcerting information.

On Reddit and other forums; you'll find posts from people regarding job and apartment applications where they are asked to fill out an application on

From the screenshots of the communications posted, it's clear that something fishy is going on. Littered with grammatical errors and spelling mistakes, scammers appear to have been posting too-good-to-be-true job posts, apartment listings, and houses for sale. They would then ask applicants to fill out an application that required them to pay one dollar, presumably allowing the scammers to access personal and financial information from unassuming individuals.

People who responded to the posts all made it very clear-- these types of listings are scams intending to steal people's sensitive information or money. They can use personal and financial information to commit credit card fraud or other forms of identity theft.

There have been Federal Trade Commission cases against individuals and companies running this type of scam. Schemers will advertise properties that they don't own and ask applicants to pay deposits, and direct them to credit score sites that they must pay for. While it isn't uncommon for landlords to run a background check and pull a credit report for potential tenants, you don't want to ever enter information into a site the landlord directs you to. You should also always be wary if they refuse to tell you the address of of the house or apartment.

Is 'Rocket Credit Scores' Legit?

If by 'Rocket Credit Scores' you mean, a link you've received in a suspicious email, the answer is no. This is not legit, and you shouldn't enter any personal information into this form. The job or apartment that is being advertised is almost certainly not real, and entering your information could result in identity theft and fraud.

On the other hand, if you're asking about the credit score monitoring service offered by Rocket Money, Inc., the answer is yes.

  • This is a legitimate company that offers a legitimate app.

Whether or not this is the best way to monitor your credit is another question that we'll look at in the next few sections.

Is Rocket Money the Same As Rocket Mortgage?

You're likely familiar with Rocket Mortgage, the largest non-bank mortgage lender in the United States.

Though the company started off as just a mortgage lender, they've grown into an entire ecosystem of companies. With an umbrella company known as Rocket Companies, the following businesses are a part of the Rocket family:

  • Rocket Mortgage, LLC: One of the largest mortgage providers in the U.S., Rocket Mortgage originated more than 1.2 million mortgages in 2021.
  • Rocket Mortgage Canada ULC: This is the Canadian version of Rocket Mortgage.
  • Amrock: A provider of property valuations, title insurance, and settlement services.
  • Lendesk: This tech company offers products that help to simplify the Canadian mortgage experience.
  • Rocket Homes: This company offers a proprietary home search platform in addition to a real estate agent referral network.
  • An online marketplace that helps create a streamlined process for clients to buy and sell properties without the help of a real estate agent.
  • Rocket Auto: Just what it sounds like, this is an online marketplace where you can shop for vehicles and compare different options.
  • Rocket Solar: A residential solar energy provider that was founded in 2022.
  • Rocket Loans: An online personal loan company where consumers can be approved and funded on the same day.
  • Rocket Money: Finally, we get to the company in question-- Rocket Money. Formerly Truebill, this is a personal finance app that helps people manage subscriptions, build budgets, monitor their credit, and more.

So, the short answer is that Rocket Money is related to Rocket Mortgage but not a part of the same company. The easiest way to understand it is to say that they exist within the same ecosystem of businesses.

What Is Rocket Money?

Now that we've gotten that out of the way, what exactly is Rocket Money?

  • Rocket Money is an app that aims to help consumers manage their money.

Here are some of the advertised features of the app:

  • Finds and tracks subscriptions so you stop paying for unwanted subscriptions
  • Offers a breakdown of your finances to help you understand where you're spending money
  • Automatically moves money to savings based on your selected settings
  • Tracks your credit score, credit report, and credit history
  • Alerts you to changes in your credit score and report
  • Identifies bills that could be lowered and helps negotiate lowered bills on your behalf
  • It helps create a budget that monitors your spending by category automatically
  • Offers a full picture of both your debts and assets in one place to help you understand and grow your net worth

The Rocket Money app can be found on both the Apple store and the Google Play store. With 256-bit encryption storing data and securely linked accounts using Plaid, this is billed as a secure and safe personal finance app.

While the app is free, there is also a Premium plan. You can sign up for their seven-day free trial in order to test it out, but after that, it costs between $3 and $12 a month. This is a sliding scale payment model where you can pay what you believe to be fair, though you'll want to keep in mind that $3 and $4 plans require paying for a whole year rather than giving you the option to pay per month.

Is My Rocket Money Credit Score Accurate?

It's perfectly reasonable to want to make sure that the credit score you see will be accurate before signing up for a service.

The reality is, though, that you actually have several different credit scores. This means that, depending on the site or service you use to check in with your credit score, you might find that your score varies.

There are a number of different factors that influence potential variations in your scores, including:

  • The credit scoring model being used
  • The credit bureau is used to calculate your score

Rocket Money uses your Experian credit report and the VantageScore 3.0 scoring model in order to calculate your credit score.

As a counter-example, another popular site-- Credit Karma-- will offer your VantageScore 3.0, but based on your Equifax and TransUnion credit reports. If you use the free credit score service offered by Experian, they use your Experian credit report and calculate your score based on FICO Score 8 model.

This means that your score can come back slightly different from different services depending on the scoring model and credit reports information is being pulled from.

Is Rocket Money the Best Way to Monitor Your Credit Score?

The answer to this question is going to depend on what you're looking for. There are lots of companies that offer free credit score monitoring, including credit card issuers.

How to Get Your Credit Score

It's worth noting that your credit score and your credit report are two different things-- you won't find your credit score on your credit report.

  • You can get your credit reports from all three bureaus for free from, which is the federally authorized site put together by Experian, Equifax, and TransUnion.

To check your credit scores, you can look in a number of different places:

  • On your financial institution, credit card, or loan statement: It has become fairly common practice for banks, loan companies, and credit card issuers to provide credit scores for free. You might find them online by signing into your account or on your monthly statement.
  • Use a credit score service: Some of these are free, while others cost money. It's always important to make sure you're signing up with a legitimate business before entering any info. Some popular ones include Credit Karma, Credit Sesame, Mint, MyFICO, Experian, and CreditWise.
  • Buy a score: It's also possible to purchase your credit score from the credit bureaus directly. You can also purchase your FICO credit score at However, there are a number of free options, so it's worth considering whether it's really worth paying for your score.
  • Talk to a non-profit counselor: Credit counselors can also help you access a free credit score along with your credit report. They can also help you review them.

Is Rocket Money Worth It?

Rocket Money is really best for people that are interested in reducing spending and creating a budget. Other popular apps of this type include Mint and Simplifi. Probably the most notable feature that makes it stand out from other apps and service is its bill negotiation feature. (For the record, Mint does now offer a bill negotiation feature in partnership with Billshark.)

Using this feature, you can upload a copy of your bill, and Rocket Money will let you know if they think you can get a better price. With the Premium Plan, they can also try to recoup bank fees.

  • The Premium Plan also gives you access to your full credit report along with credit insights.

Beyond that, though, Rocket Money isn't necessary just to have access to your credit score. If you're interested in the app because of its additional features, though, the fact that it also gives you your credit score in the same place is convenient.

The Pros and Cons of Rocket Money

The benefits of using the Rocket Money app include the following:

  • Allowing you to connect all of your credit cards, bank accounts, and investment accounts in one central location to give you an overview of your entire financial situation
  • Providing access to the bill negotiation feature that can help you reduce spending
  • Helps you create a budget

On the other hand, some of the drawbacks include:

  • Only offering a limited number of features for the free version
  • Offers limited customer support
  • Security concerns linking financial accounts to a third-party app

Rocket Credit Scores FAQs

Before I sign off, let's take a look at some of the most commonly asked questions about Rocket Credit Scores, the Rocket Money app, and credit score scams.

Does the Rocket Money App Cost Money?

To access a number of the most appealing features offered by Rocket Money, you have to buy the Premium Plan. There is, however, a seven-day trial you can sign up for to determine whether it's the right thing for you.

The cost operates on a sliding scale, with costs ranging from $3 a month to $12 a month. On the lower end of the scale, you have to pay for a full year at once rather than paying a month at a time.

Is TrueBill Now Called Rocket Money?

Yes, the app formerly known as TrueBill is now called Rocket Money. Truebill announced the name change in June 2022. It had previously already become a part of Rocket Companies in late 2021.

How Can I Protect Myself From Credit Score Scams?

As receiving a free credit score from legitimate online services like Credit Karma, Credit Sesame, and Rocket Money becomes more common, so do credit score scams.

To protect your personal and financial information, make sure to follow the following tips:

  • Avoid links and attachments: If you receive any links or attachments through email or text that you didn't ask for, it's best to avoid them. Even if you think an email comes from a legitimate company, it is best to type the URL into your browser rather than selecting an embedded hyperlink just in case it intends to take you to an imposter site.
  • Always double-check the domain name: Sometimes, you'll get an email that says it's from a certain company, but the domain name in their email doesn't match up. This is a huge red flag. In general, it's always good to have an attitude of skepticism toward any emails you receive unsolicited, particularly if they ask for any info from you.
  • Don't give out your credit card number: There are a lot of reputable services that will let you access your credit scores for free. Even if a site is legit and asking for your card number, you might prefer to use one of the many free credit score services available.
  • Avoid unsecured sites: Don't ever enter personal or financial information on a website that you're unfamiliar with or that is unsecured. Secure sites will have "https" or "shttp" in the URL.
  • Call to double-check: Let's say that you received an email from your bank, but you're suspicious it's not from them. Give them a call-- not using the numbers provided in the email-- and double check that the email is really from them before proceeding.
  • Protect your phone with a password: There's a lot of private and personal data on your phone. Putting a password on your phone protects your information just in case you lose it.
  • Use the official site to pull your credit report: is the only site authorized by the Federal Trade Commission for a free credit report, so this is the best place to access your credit report from all three bureaus.

Avoiding Scams Is Essential For Protecting Your Credit

If you've been directed to in response to a rental, real estate, or employment inquiry, it's best to stay away. It appears that this site may have been used as a part of a scam to obtain people's personal and financial information.

On the other hand, if you're wondering if the Rocket Money app is a safe way to monitor your credit score, the answer is yes. Of course, you're always taking some risks when using digital tools to track your financial information because of the risk of data breaches and so on. That being said, the Rocket Money app is released by a legitimate, reputable company.

Keeping an eye out for potential scams is absolutely essential in this day and age. Scammers and fraudsters are becoming increasingly sophisticated in their tactics. Having someone steal your identity can wreak havoc on your finances and credit report, so it's important always to be wary of sites that are asking for private, sensitive information.

Whether you're rebuilding your credit after being the victim of identity theft or you're on a mission to boost your credit score, you're in the right place. Be sure to check out our Credit Building Tips blog for more valuable resources.

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Written By:
Shaun Connell
Shaun Connell is a personal finance and credit expert with a passion for helping individuals eliminate debt and improve their credit. He's enjoyed writing investing and financial content for over 15 years, with expertise in real estate, debt, banking, credit, and wealth building. His work has been seen by millions on the web.

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