Identify all credit score blockers.
Draft personalized letter templates for inaccuracies. Send and follow up on your own letters. Watch your credit score grow.
Find score blockers, draft dispute letters and track your progress.

Americans filed 4,810,498 credit reporting complaints with the CFPB in 2025, up from 283,716 in 2020.
Source: our own analysis of the full CFPB Consumer Complaint Database. Read the report
Identify all credit score blockers.
Draft personalized letter templates for inaccuracies. Send and follow up on your own letters. Watch your credit score grow.
Find score blockers, draft dispute letters and track your progress.
See your data across all 3 bureaus.
Add authorized tradelines. Explore the score simulator. Watch every factor turn green.
See all 3 bureaus, explore tradelines and track every credit factor.
Cards, loans and tradelines matched to your score.
As you build, better offers unlock automatically.
Explore cards, loans and tradelines matched to your credit profile.
01
Spot potential errors. Know what to review.
02
Your credit data. One clear view.
03
Explore more ways to build your history.
04
See how your choices could affect your score.
05
Spot your information in known breaches.
Compare cards, loans and credit-building products in one place.
Explore the credit history options matched to your profile.
See the age and available credit included in your selection.
Compare the included accounts and review the total before continuing.
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This recommends the things you should do to improve your credit. I just started, so I have yet to really do anything. I like it so far!
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This app gave me a much better understanding of my credit history. The AI analysis pointed out things I had never noticed before.
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For people rebuilding fast who want every premium tool.
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Your starting point
Everything you need to actively fix and grow your credit.
Everything in Plus, plus
Everything you need to know about repairing your credit, from understanding your score to challenging errors and building healthy habits.
Everything you need to know about 609 letters, what they actually do, when to use them, and a template to get started.
Proven letter templates for every situation, late payments, collections, identity theft, and more.
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