Take control of
your credit
See what’s really on your report.
Understand what matters.
Start for free.
Get startedAlready have an account? Log in”The most powerful thing we can give someone is clarity. Not a score. Not a grade. The actual full picture, and a real plan.”
Credit Expert
Eric, ex-Credit Karma
”The most powerful thing we can give someone is clarity. Not a score. Not a grade. The actual full picture, and a real plan.”
Credit Expert
Eric, ex-Credit Karma
Bank-level encryption
No ads, no selling your dataLegit tools, free forever
Built for people, not advertisersBank-level encryptionNo ads, no selling your dataLegit tools, free forever
Built for people, not advertisersBank-level encryptionNo ads, no selling your dataLegit tools, free forever
Built for people, not advertisersWe’re a credit health company
Everything you need
to master your credit
01 — A clear view
Your report,
decoded
Understand your credit in a modern, readable format: what's on your report, why it's there, and how it's affecting your score. No jargon. No guesswork.
Free forever.
02 — A plan
Your playbook
Get a step-by-step plan customized to your actual situation. We show you what's hurting, what's helping, and what to focus on first — based on your real reports, not generic advice.
Free forever.
03 — Expert guidance
Your AI
credit expert
Ask anything, any time. Your AI advisor has read every line of your report and knows your situation inside out. Ask why your score dropped. Ask what to tackle first. Get a real answer based on your actual data, not a generic script.
Free forever.
04 — Accuracy tools
Fix errors
Identify inaccuracies, outdated information, and discrepancies on your credit report that could be dragging you down. Our analysis goes deeper than surface-level scanning to find potential errors other tools miss.
Free forever.
05 — UltraSolid
Go further
Unlock the full premium toolkit.
Consolidated bureau view,
one-tap dispute letter mailing,
automatic score updates,
monthly credit monitoring,
Allstate® Identity Protection,
and pro support.
Everything Solid has, built to move you faster.
Consolidated bureau view,
one-tap dispute letter mailing,
automatic score updates,
monthly credit monitoring,
Allstate® Identity Protection,
and pro support.
Everything Solid has, built to move you faster.
UltraSolid, $40/mo.
04 — Accuracy tools
Fix errors
Identify inaccuracies, outdated information, and discrepancies on your credit report that could be dragging you down. Our analysis goes deeper than surface-level scanning to find potential errors other tools miss.
Free forever.
05 — UltraSolid
Go further
Unlock the full premium toolkit.
Consolidated bureau view,
one-tap dispute letter mailing,
automatic score updates,
monthly credit monitoring,
Allstate® Identity Protection,
and pro support.
Everything Solid has, built to move you faster.
Consolidated bureau view,
one-tap dispute letter mailing,
automatic score updates,
monthly credit monitoring,
Allstate® Identity Protection,
and pro support.
Everything Solid has, built to move you faster.
UltraSolid, $40/mo.
Our approach
Simple.
Honest.
Effective.
Your full credit report,
analyzed and decoded
One complete view.
No jargon, no confusion.
Understand what's
helping and hurting
Plain-English insights on what
is affecting your credit.
Get directions to
improve your standing
Get a tailored plan to make progress. No guesswork.
Get startedNo credit card required. No ads.No selling your data.
Built by
industry
experts
We’ve spent two decades inside the credit industry.
Now we’re building the service it should have been all along.
- 20+ years in the industry
- 1,000,000+ people served
- A heart to help people
Common
questions
Your credit,
finally clear.
See exactly where you stand, and what to do about it.
Get startedCore tools are free forever. No credit card required.