Help Center


Unlock Account

Your account is locked because you did not pass the identity verification process. To protect you against identity theft, your account will be unlocked in 96 hours. When you retry the questions, please keep in mind the following:

Once the 96 hours is up, you can retry the verification questions again.


Change Password

There are two ways to change your password.
If you are unable to log into your account, please follow these steps:

  1. Go to the sign-in page.
  2. Click the "Forgot Password" link under the "Sign-In" button.
  3. Type in your email address and date of birth.
  4. Click the “Submit Reset” button below
  5. Check your email! You will be sent an email with instructions to reset your password.

If you can log into your QLCredit account, please follow these steps:

  1. Sign into your QLCredit account.
  2. Go to the “My Account” page.
  3. Scroll down to the “Update My Account Password” setting.
  4. Enter in your current password and new password.
  5. Click “Update.”

Your password should now be updated.


Change Email Address

To change your email address, please follow these steps:

  1. Log into your QLCredit account.
  2. Go to the “My Account” page and scroll down.
  3. On this page, you will see sections to update your email address, income, and home information.

Your email address should now be updated.


Income is Incorrect

To change your income, please follow these steps:

  1. Log into your QLCredit account.
  2. Go to the “My Account” page.
  3. Scroll down to the “update Your Annual Income” section.

Your income should now be updated.


Debt-to-Income Ratio is Wrong

To update your Debt-to-Income ratio, you will need to update your annual income. Please follow these steps to do so:

  1. Sign into your QLCredit account.
  2. Go to the “My Account” section.
  3. Scroll down the page to the “Update Your Annual Income” section.
  4. After you update this section, your debt-to-income calculations will be updated along with your next credit report pull.

Your DTI Ratio should now be properly displayed.


Debt Tracker is Wrong

We show exact data that TransUnion has given us. Your report and score are updated every two weeks, so if there has been a change in the past few weeks, it may not show up until your next credit update.

If there is wrong or incomplete information on your report, you will need to file a dispute with TransUnion to get it corrected. You can contact them directly at 800-916-8800 or go on their website here to start the dispute process.

Please also note the monthly payments section shows the MINIMUM monthly payment, not your total monthly payment.


Close My Account

To close your account, please follow these steps:

  1. Sign into your QLCredit account.
  2. Go to the “My Account” page.
  3. Scroll down to the very bottom of the page.
  4. Enter your email address and password.
  5. Click the "Close My Account" button.

You have successfully closed your account!


Why Do You Need My SSN?

Your Social Security Number is needed to verify your identity and to obtain your free credit score and report from the credit reporting agencies. This prevents other people who don’t know your SSN from accessing your credit information.


Is QLCredit safe?

Yes. QLCredit uses industry-leading security measures to verify your identity and protect your information.


Incorrect Info on My Credit Report/Dispute Information

We receive your credit report directly from TransUnion, so if there is an error on your report, you’ll have to file a dispute directly through them.  You can contact TransUnion at 800-916-8800 or begin a dispute on their website.

For further information, you can visit their FAQ


Improve My Credit

QLCredit is not a credit repair website, therefore none of our specialists can offer specific credit advice. However, there is general information we can provide. There are 5 main factors impacting your credit score:

Making all your payments on time and having a mix of different loans (such as mortgage, credit card, etc.) tend to positively impact your score. Using less than 30% of your credit limit can also positively impact your score.

To learn more about the above factors, please visit the Zing Blog:

Their credit and debt section is here:

Specific articles on credit reports and scores can be found here:


Why Did My Score Change?

Scores fluctuate month to month, so it’s normal for your score to increase or decrease by a few points here and there. If your score has dropped significantly, you may want to contact TransUnion as there could be a larger issue like identity theft. Your score may have changed for one of the following reasons:

Interested in more? Click here.


Soft vs. Hard Inquiries 

QLCredit does a soft inquiry or soft pull, which happens when you check your report for educational purposes. Viewing your credit report with QLCredit will NOT impact your score.

A hard inquiry or hard pull describes when a lender, creditor, or financial institution checks your credit report while deciding to lend you money and this can hurt your score.

These also require your authorization and will stay on your report for two years.


Factors Influencing My Score

When Will My Score Update?

With QLCredit, your TransUnion credit report and score update every two weeks for free!


Will Checking My Credit Hurt My Score?

Nope! Checking your credit with QLCredit will NEVER hurt your score. QLCredit does a soft pull or soft inquiry on your report for educational purposes, which will never hurt your score.Lenders, on the other hand, do a hard pull or hard inquiry when they’re deciding to lend you money, and this can hurt your score by a few points.


Get a Mortgage or More Information on a Mortgage

For more information about obtaining a mortgage, contact a Home Loan Expert at our sister company, Quicken Loans. They can be reached at: 1(800)304-1255. If you would prefer to begin the pre-approval process online, you can use RocketMortgage.


Can I Get a mortgage With My Credit Score?

For more information about obtaining a mortgage with your current credit score, contact a Home Loan Expert at our sister company, Quicken Loans. They can be reached at: 1(800)304-1255.

You can also check out the Zing Blog for credit and mortgage related blog posts:


Refinance My Home or Get More Info on Refinancing

For more information about refinancing your current loan, contact a Home Loan Expert at our sister company, Quicken Loans. They can be reached at: (888) 980-6716.

If you would prefer to not speak to a banker, you can use RocketMortgage, where you can go through the pre-approval process online.


Credit and Mortgage Eligibility

A good credit score can improve your chances of qualifying for a mortgage and help you get the best interest rate.

Other important determining factors include:

For more details, check out the Zing Blog!


I Didn’t See My Question

We’re here to help! If you can’t find an answer to your question, please email us here at Help@QLCredit.com.


Why Don’t You Have a Phone Number?

We believe the best way to assist you is through technology! This is why we currently only offer support via email.

Email helps us:

We aim to respond to your questions as quickly as possible, but it may take up to two business days to give you a thorough response.

Need help? Email us at Help@QLCredit.com!