Analysis & Summary
Your score is one number. It doesn’t tell you why. We read the hundreds of data points behind it, across all three bureaus, and tell you what’s actually driving it.
Looking for better credit monitoring?
No spam.
No ads.Just credit health.
Actually useful credit monitoring and daily alerts, an AI credit coach, and error check-ups. You pay $1.99/mo, so everything in here works for you, not advertisers.
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Checking your credit never harms your score.
Cancel anytime.
Other apps
Why we built this
We got sick of the ads
and spam alerts
We’re a team of Credit Karma alumni. We spent years building credit tools inside the “free” app world: the ads, the loan offers, the spam alerts.
Credit health deserved a better motivation than that. So we left and built a company where the only people we answer to are the ones using it.
What’s inside
What we built instead of ads
Ask SolidAI, your AI credit coach
It has read all three reports, every account and every remark, before you ask. It understands what’s going on with your credit, and it can help you do something about it.
Credit monitoring and daily alerts
When something changes on your report, we help you understand what caused it, what it means, and what to do about it.
Personalized credit
action planBuilt from analyzing your reports, organized by how much work each one takes and how much it helps. We check your credit data to confirm each one worked.
Credit accuracy tools
We search your reports across 13 dimensions for anything that looks wrong, whether the bureaus disagree or a lender contradicts itself, and help you straighten it out.
Analyzing your credit
Identity protection
Allstate® Identity Protection on Plus, watching the records behind your credit as well as the credit itself
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Cancel anytime · We never sell your data
How it works
Three steps to real progress
Get your reports in
Upload them yourself, free, whenever you want. Or let us pull them for you.
We analyze and translate them
Your reports are written in bureau shorthand. We turn 230+ remark codes into plain English and grade every account.
Take action
A plan ordered by how much work each step takes and how much it helps. Then we check your credit data to confirm it worked.
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Cancel anytime · We never sell your data
The math behind free
We’d rather earn your
money than sell you loans.
Somebody pays the credit apps. The only question is — who?
How the other apps get paid
- 1Your dashboard fills up with credit cards, loans, and refinance offers.
- 2When you take one, the lender pays them. Their real customer is the lender. Not you.
- 3So the app is built to bring you back and get you into more debt.
How we get paid
- 1We make credit tools worth paying for, and you pay us. That’s the entire business.
- 2When something costs us almost nothing to offer, it’s free. Everything else is the lowest price that still keeps us running.
- 3So there’s nothing to sell you but the product.
We answer to you, not lenders.
The product proves it.
| Most credit apps | |
|---|---|---|
| Bureau coverage | All 3 in one side-by-side view | Usually 1 or 2 |
| Report analysis | Hundreds of data points across 3 bureaus | Thin if any real analysis |
| AI credit coach | Ask SolidAI, it knows everything about your reports | Generic answers, if any |
| Alerts & Notifications | Informative and action-oriented | Spammy and sales-oriented |
| Personalized credit action plan | Step-by-step plan to help you build credit | Nothing specific to you |
| Credit accuracy tools | We help you find likely errors and correct them across all 3 bureaus | Usually one bureau, generic |
Comparison based on typical ad-supported credit apps as of 2026.
Get started
Checking your credit never harms your score.
Cancel anytime.
Pricing
Free where it should be.
Affordable where it counts.
We’d start with Entry. Move up or down anytime.
Free
DIY · On-demand
Bring your own reports
Upload any or all three reports from annualcreditreport.com (free) and we'll give them a full check-up, free.
$0/mo · No ads
- Report summary, analysis, and accuracy check
- Easy-to-read, 3-in-1 report view
- See what’s changed
- Personalized credit action plan
- Ask SolidAI, your AI credit coach
- Custom dispute letter assistance
No credit score on Free. Reports you upload from annualcreditreport.com don't include one. Entry adds your Equifax score, updated weekly.
Entry
Team pick
Automatic · Equifax
Equifax, fresh every week
We pull your Equifax report and score every week and alert you instantly when something changes. Nothing to upload.
$1.99/mo · No ads
- Your Equifax report and score, weekly
- Daily alerts for new and accounts (Equifax)
- Automatic error check-up, every week
- Add Experian & TransUnion anytime (free upload)
- Ask SolidAI, your AI credit coach
- Dispute letters: you print & mail
Plus
Automatic · Equifax + Allstate® Identity Protection
Weekly Equifax, plus identity protection
Keep weekly Equifax monitoring and add Allstate® Identity Protection.
$8/mo · No ads
- Your Equifax report and score, weekly
- Daily alerts for new and accounts (Equifax)
- Automatic error check-up, every week
- Allstate® Identity Protection, including up to $1M identity theft reimbursement†
- Add Experian & TransUnion anytime (free upload)
- Ask SolidAI, your AI credit coach
- Dispute letters: you print & mail
Premium
Automatic · All 3 bureaus
All 3 bureaus, on autopilot
Get three-bureau monitoring, identity protection, and more automated help
$20/mo · No ads
- Reports and scores from all 3 bureaus, monthly
- Allstate® Identity Protection, including up to $1M identity theft reimbursement†
- Daily alerts for new inquiries and accounts (all 3 bureaus)
- Automatic error check-up, every week
- Ask SolidAI, your AI credit coach
Get started
Cancel anytime · We never sell your data
Common questions
Hardcore credit health.
No fluff.
Get started
Checking your credit never harms your score.
Cancel anytime.