Choose Your Path to Better Credit
Start your 7-day $1.00 trial. Cancel anytime.
Everything you need to start building credit. More features than the market leader at the same price.
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Rent reported to Experian and 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.
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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.
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Lease & Rent Tracking Alerts
Email and push notifications when your lease is verified, rent payments are found, and your monthly furnishing is reported to the credit bureaus. Stay informed at every step of the reporting lifecycle.
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My Credit Manager Bundle (1B) -- Vantage 3.0
Score + Report + Score Insights + Debt Analysis + Score Tracker from one bureau.
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Credit Alerts (1B)
Receive alerts when your credit profile changes. Alerts are sent by the bureau and displayed in the component.
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Credit Report (1 Bureau)
Full credit report from TransUnion. View your report directly in the dashboard -- accounts, balances, payment history, and public records.
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Data Breach Monitoring
Continuous scanning of breach databases to detect if your personal information has been exposed in a data breach.
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Score Simulator (1B) -- Vantage 3.0
See how credit scores might be impacted by future actions or behavior.
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$1 Million Identity Theft Insurance
Change-of-address monitoring, SSN monitoring, breach monitoring, dark-web monitoring, $1M insurance + restoration.
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Privacy Protect (data-broker scans)
Ad-hoc scans across 10 user-selected sites to surface exposed data.
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Debt Navigator
Tailored repayment plans matched to your financial situation.
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AI credit assistant
Plain-English explanations of how credit works and how to use the dashboard. Available 24/7. For analysis of your own credit file (why your score moved, what factors are pulling it up or down), see the Credit Score Coach component on the Credit Report tab -- that component has access to your actual file.
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Landlord referral program
Invite your landlord -- they get a free landlord dashboard. Every landlord who signs up via your link earns you bonus credit.
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Earn $10 per referral
Refer friends or family. Every paid referral earns you $10 in account credit. No cap on referrals, no monthly limit.
Compare federal income-driven repayment (IDR) options and get pre-filled forms ready for you to submit to your loan servicer. Annual billing covers help with the federally-required IDR recertification each year. You file with your servicer; we provide tooling and guidance, not loan servicing. Optional add-on at checkout. Backed by our $500 first-year Savings Guarantee: if the plan you enroll in doesn't lower your scheduled federal student-loan payments by at least $500 over 12 months, we refund the $99 in full (terms apply).
Cancel anytime
Get Started -- BasicMaximum credit power. All three bureaus, full identity protection, priority support -- everything in Basic, amplified.
= Premium-only feature
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Rent reported to Experian and 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.
-
Lease & Rent Tracking Alerts
Email and push notifications when your lease is verified, rent payments are found, and your monthly furnishing is reported to the credit bureaus. Stay informed at every step of the reporting lifecycle.
-
Data Breach Monitoring
Continuous scanning of breach databases to detect if your personal information has been exposed in a data breach.
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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.
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All 3 Credit Bureau Reports
Full credit reports from Experian, Equifax, and TransUnion. View, compare, and download each report directly from your dashboard.
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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.
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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.
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Score Simulator (1B) -- Vantage 3.0
See how credit scores might be impacted by future actions or behavior.
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Enhanced $1M Identity Theft Insurance
Everything in the Basic plan plus neighborhood watch monitoring and financial-threshold account monitoring.
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Neighborhood Watch
Monitor registered sex offender records in your area and receive alerts when new records appear near your home address.
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Enhanced Privacy Protect
Searches and identifies exposed information, helps remove information, and verifies removals so you can monitor and track success.
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Subscription Manager
See all subscriptions in one place and cancel in a few clicks.
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Debt Navigator
Tailored repayment plans matched to your financial situation.
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AI credit assistant
Plain-English explanations of how credit works and how to use the dashboard. Available 24/7. For analysis of your own credit file (why your score moved, what factors are pulling it up or down), see the Credit Score Coach component on the Credit Report tab -- that component has access to your actual file.
-
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.
Compare federal income-driven repayment (IDR) options and get pre-filled forms ready for you to submit to your loan servicer. Annual billing covers help with the federally-required IDR recertification each year. You file with your servicer; we provide tooling and guidance, not loan servicing. Optional add-on at checkout. Backed by our $500 first-year Savings Guarantee: if the plan you enroll in doesn't lower your scheduled federal student-loan payments by at least $500 over 12 months, we refund the $99 in full (terms apply).
Cancel anytime
Get Started -- PremiumWe control reporting, not scoring — rent reporting does not guarantee a credit-score increase and individual results vary. $1.00 today (non-refundable trial activation), then the plan price starting day 8 unless you cancel. See our no-guarantee disclaimer and trial & billing terms.