Features Built Around You
Everything you need to monitor, protect, and grow your credit life.
3-Bureau Scores
See your credit scores from Equifax, TransUnion, and Experian side by side. No more guessing which bureau a lender is pulling from.
Real-Time Alerts
Get notified the second something changes on your report — new accounts, hard inquiries, balance changes, or address updates. Catch problems before they grow.
ScoreBuilder
A personalized 120-day plan that tells you exactly which actions to take, in what order, to improve your score. No more guesswork or generic advice.
ScoreBoost
See how a specific action — paying down a card, opening a tradeline, removing an item — would change your score before you do it.
ScoreTracker
Watch your scores trend over time across all three bureaus. Spot patterns, celebrate wins, and stay accountable to your goals.
Future Score
Forecast where your score will be in 6 to 12 months based on your current behavior and the changes you're committing to.
Best Pay-Down Date
Know the exact day to pay down each balance so it lands at the right point in the bureau's reporting cycle for maximum score impact.
Dispute Assistance
Identify report errors, generate ready-to-send dispute letters, and track the bureau's response — all guided, all in one place.
Money Manager
Track your accounts, balances, and spending in one view so you can keep credit utilization low without surprises.
myLOAN
See loan offers and refinance opportunities matched to your current credit profile, so you can stop overpaying on debt.
PrivacyMaster
We scan data broker sites and the dark web for your personal info, then request removal so it's harder for bad actors to target you.
Up to $1M Fraud Insurance
If identity theft happens to you, you're covered for stolen funds, legal fees, and recovery expenses up to $1,000,000.
Credit Monitoring
Continuous monitoring across all three bureaus so nothing slips through the cracks. Sleep easier knowing someone is watching.
Actions
A clear, ordered list of next-best steps for your situation so you always know what to do today, this week, and this month.
Try every feature for $1.
7 days of full access. Cancel anytime.