Choose Your Path to Better Credit
Start your 7-day $1.00 trial. Cancel anytime.
Everything you need to start building credit: rent reporting to all three bureaus, up to 24 months of past rent reported, plus your credit score and report from one bureau, with credit alerts where available.
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Rent reported to Experian, TransUnion, and Equifax
Every verified on-time payment is reported monthly to Experian, TransUnion, and Equifax 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, subject to verification and bureau acceptance.
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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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Credit Score (1 Bureau)
Your credit score from one credit bureau, with the factors behind it, shown in your dashboard.
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Credit Report (1 Bureau)
Full credit report from one credit bureau. View your report directly in the dashboard -- accounts, balances, payment history, and public records.
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Credit Monitoring & Alerts (1 Bureau)
Receive alerts, where available, when your credit file at that bureau changes. Alerts are generated by the bureau and displayed in the component.
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AI credit assistant
Plain-English explanations of how credit works and how to use the dashboard. Available 24/7. It does not see your credit file -- your score, report and alerts are shown on the My Credit tab of your dashboard.
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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.
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Score Up
Steps that could raise your Equifax score. Included in Basic plan only.
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Optimal Path
A month-by-month plan to reach a target Equifax score. Included in Basic plan only.
Cancel anytime
Get Started -- BasicMaximum credit power. Scores and reports from all three bureaus, credit monitoring with alerts where available, up to 24 months of past rent reported, plus identity theft protection.
= Premium-only feature
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Rent reported to Experian, TransUnion, and Equifax
Every verified on-time payment is reported monthly to Experian, TransUnion, and Equifax 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, subject to verification and bureau acceptance.
-
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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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 and compare each report directly from your dashboard.
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Credit Monitoring & Alerts (all 3 bureaus)
Monitoring of all three bureaus, with alerts where available when a bureau reports a change -- such as new inquiries, account updates or balance changes. Alert types and timing depend on the bureau.
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Identity Theft Protection with identity restoration support
Dark web monitoring and change-of-address monitoring with alerts. If your identity is stolen, identity restoration support (policy terms apply). You switch it on in your dashboard once your lease is on file.
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Credit report dispute guidance
Step-by-step guidance and direct links to dispute an error with Experian, Equifax or TransUnion yourself, free under the FCRA. We do not file disputes on your behalf.
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AI credit assistant
Plain-English explanations of how credit works and how to use the dashboard. Available 24/7. It does not see your credit file -- your score, report and alerts are shown on the My Credit tab of your dashboard.
-
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.
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.