Scores are not a mystery
Payment history, utilization, age of accounts, and new credit each pull a known weight. Seeing them side by side shows where the number comes from.
- Features
- Score Factors and Debt Analysis
Know what moves your score before it moves.
Every plan shows the factors behind your credit score and a plain reading of your debts: balances, utilization, and what is helping or hurting. No jargon, no guesswork.
Score factorsSample
- Payment historyStrong
- Utilization62%, hurting
- Age of accountsHelping
- New credit1 inquiry
Since you opened this page
- $0paid in credit card interest and feesWalletHub, $253 billion in 2025
- $0paid in overdraft and NSF feesFinancial Health Network, $12.1 billion in 2024
- 0accounts opened fraudulently in someone's nameJavelin, 5.4 million in 2025
Why it matters
What the numbers say, and what it means for you.
Debt hides in totals
Three cards at 80% utilization look fine as one balance. Broken out, they explain a score that will not climb.
Fraud shows up here first
A balance you do not recognize or a new account in the factors list is often the first sign someone is using your name.
On the record
- Americans paid $253 billion in credit card interest and fees in 2025.
- Consumers paid $12.1 billion in overdraft and NSF fees in 2024.
- Nearly half of U.S. adults, 48%, have had fraudulent charges on a credit or debit card.
- Criminals opened new accounts in other people’s names 5.4 million times in 2025, up 31% in a year, costing $7 billion. up 31%
- Account takeover fraud topped $15 billion in 2025 and hit 6 million people, up 18% in a year. up 18%
Figures as published by each source. Full citations in the site record.
What you get, step by step
Three steps, and what lands in your hands at each one.
Connect
Verify your identity once and we pull your score and report from a major credit bureau.
What you getYour score and report, refreshed quarterly on Essential and Plus and monthly on Complete.
Read
The factors view names what is helping and what is hurting, in the order it matters.
What you getA ranked list of what is moving your score, in plain words.
Plan
Debt analysis lays out balances, rates, and utilization by account so you can decide what to pay down first.
What you getA clear picture of every balance and which one is costing you the most.
What is included
Every plan starts with the free scan. Complete carries everything on this page.
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Essential$9.99 / mo
- Score factorsIncluded
- Debt analysisIncluded
- Credit score and reportQuarterly credit score and report (1 bureau)
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Plus$14.99 / mo
- Score factorsIncluded
- Debt analysisIncluded
- Credit score and reportQuarterly credit score and report (1 bureau)
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Complete$39.99 / mo
- Score factorsIncluded
- Debt analysisIncluded
- Credit score and reportMonthly credit score and report (Equifax)
Task Force services are not intended for FCRA purposes. Task Force is not a consumer reporting agency and does not provide credit repair services.
Frequently asked questions
Will this raise my score?
Task Force does not repair credit or promise score changes. It shows you what is driving the number so you can act on it yourself.
How often does it update?
Essential and Plus refresh quarterly. Complete refreshes monthly from Equifax.
Does looking at my factors hurt my score?
No. These are soft inquiries and never appear to lenders.
More from Task Force
- Credit MonitoringAll plansYour score, full report, and two-bureau alerts, plus tools that show what actually moves your number.Learn more
- Data RemovalAll plansWe get your name, address, and phone number off people-search and data broker sites, then keep them off.Learn more
- Spam and Scam DefenseAll plansSpam calls start with your data. Removing it cuts them off at the source, and Complete adds alerts when your number is being spoofed.Learn more
You are not a product.
See exactly where you are exposed. It takes two minutes and costs nothing.