Everything we do, on one page.

Every verified on-time rent payment is reported as a tradeline on your credit file at both bureaus on the same monthly cycle lenders already trust. This is the core product.

In addition to going-forward reporting, we work with your landlord to verify and report up to 24 months of past on-time rent in your first submission — most members see their first score jump within 30 days instead of waiting half a year for a new tradeline to age.

See your real credit score, full credit report, and score insights in your dashboard. Premium adds the same view across all three bureaus.

Watch your score history month by month. Available on the single-bureau view (Basic) and may also be available on the 3-bureau Premium view — see the note in the comparison table.

Get notified the moment anything changes on your credit report — score shifts, new inquiries, account updates, or balance changes. Basic monitors 1 bureau; Premium monitors all 3 daily.

See your score and report across Experian, Equifax, AND TransUnion in one dashboard, with daily alerts on every bureau. Most lenders pull from different bureaus — 3-bureau visibility means every credit check reflects your real profile.

Model the score impact of paying off a card, opening a new account, or closing an old one — based on your actual profile. Same "what-if" mechanics as premium credit-monitoring services (MyFico Premier, Credit Karma); we run the simulator against your real VantageScore 3.0 file, not generic averages.

Spot inconsistencies between bureaus before they become a problem — different balances, account ages, or accounts missing from one bureau but reporting on another.

When errors appear on your report, we handle the dispute for you — drafting, filing, and following up with all three bureaus under the FCRA 30-day clock.

Continuous dark-web scanning, SSN monitoring, change-of-address alerts, and breach monitoring — backed by $1M identity-theft insurance and dedicated 24×7 restoration support (case manager, dispute filings, lender follow-up) if your data is ever misused. Same restoration coverage as premium ID-protection services.

Get alerts when a registered offender moves near your address. Part of the expanded identity protection suite.

Alerts when a new bank account, credit card, or loan is opened in your name — early warning for identity theft.

See where your personal information is exposed online with a free 10-site scan across major data-broker sites. Use it as your starting baseline.

We scan 150+ data broker sites quarterly, submit automated removal requests, and verify the removals. Your personal information stays scrubbed from people-search sites that sell your data.

Ask anything about your credit in plain English — why your score changed, what a bureau entry means, what to do next. Trained on FCRA law, bureau quirks, and our actual credit-building playbook. Available 24/7.

Personalized debt-repayment plan that matches your actual financial situation, tuned to maximize your credit score gain for every dollar paid down.

Connect your bank, we surface every recurring charge, cancel unwanted subscriptions in a few clicks. Average member finds $84/year in forgotten subscriptions.

Invite your landlord — they get a free landlord dashboard with tenant payment tracking. Every landlord who signs up via your link earns you bonus credit. Built-in win-win that helps your verification go faster too.

Refer friends or family. Every paid referral earns you $10 in account credit. No cap on referrals, no monthly limit.

Switch to annual and pay $31.99/month — saving $96/year. Annual subscribers get a dedicated onboarding strategy call.

Try every feature for $1 for the first 7 days. Cancel anytime during the trial and your card is never charged the full price.

No annual commitment. Cancel from your dashboard in a few clicks. Cancellation takes effect at the end of your current billing period — full access continues until then. No retention-team friction.

If you have federal student loans, our $99/year add-on finds the right income-driven repayment plan for your situation and handles the full enrollment with your loan servicer. The annual billing covers the federally-required re-enrollment each year. Optional — only sold to members who confirm federal student loan ownership.