Choose Your Path to Better Credit

Start your 7-day $1.00 trial. Cancel anytime.

Basic
$19.99 /month

Everything you need to start building credit. More features than the market leader at the same price.

  • Rent reported to Experian & TransUnion

    Every verified on-time payment is reported monthly to Experian and TransUnion as a tradeline on your credit file. This is the single most impactful action for thin or no credit history.

  • 24-month rent history lookback

    Report up to 2 years of past on-time rent in your first submission -- instant credit history boost from day one.

  • My Credit Manager Bundle (1B) -- Vantage 3.0

    Score + Report + Score Insights + Debt Analysis + Score Tracker from one bureau.

  • Credit Alerts (1B)

    Receive alerts when your credit profile changes. Alerts are sent by the bureau and displayed in the component.

  • $1 Million Identity Theft Insurance

    Change-of-address monitoring, SSN monitoring, breach monitoring, dark-web monitoring, $1M insurance + restoration.

  • Privacy Protect (data-broker scans)

    Ad-hoc scans across 10 user-selected sites to surface exposed data.

  • Debt Navigator

    Tailored repayment plans matched to your financial situation.

  • AI credit assistant

    Ask anything about your credit in plain English -- why your score changed, what a bureau entry means, or what to do next. Available 24/7.

  • Landlord referral program

    Invite your landlord -- they get a free landlord dashboard. Every landlord who signs up via your link earns you bonus credit.

  • Earn $10 per referral

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

Student Loan Repayment Plan
+$99/year

Personalized federal repayment-plan match plus full enrollment handled for you. Annual billing covers the federally-required re-enrollment each year. Optional add-on at checkout.

Cancel anytime

Get Started -- Basic
Most Popular
Premium
$39.99 /month

Maximum credit power. All three bureaus, full identity protection, priority support -- everything in Basic, amplified.

= Premium-only feature

  • Rent reported to Experian & TransUnion

    Every verified on-time payment is reported monthly to Experian and TransUnion as a tradeline on your credit file. This is the single most impactful action for thin or no credit history.

  • 24-month rent history lookback

    Report up to 2 years of past on-time rent in your first submission -- instant credit history boost from day one.

  • All 3 Credit Bureau Scores

    Your credit score from Experian, Equifax, and TransUnion. Most lenders pull from different bureaus, so covering all three means every credit check reflects your real profile.

  • All 3 Credit Bureau Reports

    Full credit reports from Experian, Equifax, and TransUnion. View, compare, and download each report directly from your dashboard.

  • Daily Monitoring & Alerts (all 3 bureaus)

    Daily monitoring of all three bureaus with alerts the moment anything changes -- score shifts, new inquiries, account updates, or balance changes.

  • Credit Insights & Discrepancies

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

  • Score Simulator (1B) -- Vantage 3.0

    See how credit scores might be impacted by future actions or behavior.

  • Enhanced $1M Identity Theft Insurance

    Everything in the Basic plan plus neighborhood watch monitoring and financial-threshold account monitoring.

  • Enhanced Privacy Protect

    Searches and identifies exposed information, helps remove information, and verifies removals so you can monitor and track success.

  • Subscription Manager

    See all subscriptions in one place and cancel in a few clicks.

  • Debt Navigator

    Tailored repayment plans matched to your financial situation.

  • AI credit assistant

    Ask anything about your credit in plain English -- why your score changed, what a bureau entry means, or what to do next. Available 24/7.

  • Landlord referral program

    Invite your landlord -- they get a free landlord dashboard. Every landlord who signs up via your link earns you bonus credit.

  • Earn $10 per referral

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

Student Loan Repayment Plan
+$99/year

Personalized federal repayment-plan match plus full enrollment handled for you. Annual billing covers the federally-required re-enrollment each year. Optional add-on at checkout.

Cancel anytime

Get Started -- Premium