You'll never be on your own with your credit again
Solid helps you understand your credit, improve it, and protect it
I need a car but my score's too low to get a decent rate
For an auto loan, lenders react hardest to high-utilization and recent late payments.
We can get to a better rate in 3 months. Want me to show you how?
Yes please!
What does high-utilization mean?
It's how much of your available credit you're using. Yours is at 72%. Under 30% is the goal.
Perfect. Check out this plan.
Understand your credit
Get ultimate clarity with a credit check-up and analysis
- Hundreds of checksacross all 3 reports
- Every line explainedin plain English
- See what's helpingand what's hurting
Understand
your credit
We perform hundreds of checks across your reports
Our analysis uncovers valuable insights and hidden potential errors that could be dragging your score down.
All three bureau reports in one explorable view
Experian, Equifax, and TransUnion merged into a single picture of your credit. We'll flag where the bureaus disagree or where data just doesn't add up.
VantageScore® 3.0
View all 3 scores
Your scores are refreshed monthly with the reason behind every change.
Utilization
Maxed out
Running high
Healthy
Light
This is holding you back
At 72% used, this is the biggest thing between you and a better score. It is also the fastest to change: balances update every month.
Accuracy
Serious flags
Minor flags
Checks out
This is working for you
129 of 130 accuracy checks came back clean. The one flag is your address, and we'll handle it.
See what's helping and what's hurting your credit
We consider all parts of your report and how they are seen by the bureaus. We'll help you understand the jargon, where potential errors are, and exactly what you need to fix.
Why did my score drop 12 points last month?
AV
Get expert answers while you explore
Ask anything, in your own words. You'll get answers directly from your report. Ask Solid AI is built by actual credit experts, and knows the credit system better than any general AI tool.
Improve your credit
We have the tools to help you fix your credit
- A plan that fitsyour actual life
- The heavy lifting,done for you
- Payments you alreadymake, finally counting
Improve
your credit
Review errors
Dispute the Cedar Ridge collection on Equifax
Equifax lists a balance TransUnion does not. We will draft the dispute and you decide whether to send it.
A personalized action plan to help make progress
Your custom action plan is tailored to your actual report and goals, not generic advice. Your plan is balanced with your life circumstances so you can feel good about always making progress.
Make your rent and bills count toward your credit
Bill Reporting can add eligible rent, phone and utility bills you pay on time to your credit report, including up to 24 months you've already paid. No new loan, card or hard credit check. Learn more
Only on-time payments are reported, and results vary. Eligibility depends on how a bill is paid: bills paid by credit card, through peer-to-peer apps, or by cash or check can't be reported.
New account
Your new account is on your report. On-time payments will build your history from here.
Turn on-time payments into credit history
Build credit history. No deposit, starting at $5 a month.
Credit Builder is a line of credit that reports to the credit bureaus. No security deposit and every on-time payment builds your history. Learn more
Credit Builder requires a separate application and is subject to approval by Cross River Bank. Solid Credit does not make credit decisions, and approval is not guaranteed.
On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors including your activity with other financial services organizations.
Solid Credit partners with Upward Financial to offer the Credit Builder. Upward Financial is a financial technology provider, not a bank. Line of credit issued by Cross River Bank, Member FDIC. Line of credit is not a deposit product.
What should I focus on first?
AVGet answers from a credit expert with Ask Solid AI
No matter what comes up, Ask Solid is there. A card offer in the mail, an old account you're tempted to close, a loan you weren't planning on. Every answer comes from your own report.
Protect your credit
We keep watch over your credit and your identity
- All 3 bureaus watched,every day
- Identity protectionfrom Allstate®
- Peace of mind,not just alerts
Protect
your credit
Your scores, fresh this morning
All three pulled this morning. TransUnion slipped 2 points after a balance update.
Credit monitoring
Never be caught off-guard again. Stay informed with daily alerts for any activity on your credit report. New accounts, new inquiries, balance jumps, address changes, negative marks: Solid watches all 3 bureaus so you don't have to.
Up to $1M identity theft reimbursement†
Allstate® Identity Protection helps safeguard Solid Credit customers 24/7 from identity theft and scams with identity monitoring, cybersecurity tools, best-in-class identity restoration, and financial protection for those who experience fraud. Learn more
Dark web scan
- Social Security numberChecking
- Email addressesChecking
- LoginsChecking
- Phone numbersChecking
2 exposures found. We will tell you what to change.
Dark web monitoring
Know when your data shows up where it shouldn't and make sure it gets removed. Solid scans for your Social Security number, email addresses, logins, and phone numbers where they shouldn't be. We tell you what was exposed, where it surfaced, and what to change before anyone uses it.
Should I be worried about this inquiry?
AVWhen something feels off, you're not on your own
A text that doesn't look right. A charge you don't recognize. A call claiming to be your bank. Ask at 2am if that's when it hits you. You'll get the steps to take and the fastest way to identity protection help.
Built to be on your side
A soft inquiry, always
Checking your credit with Solid Credit never affects your score.
No ads, no data selling
Your report powers your analysis and nothing else. We're built for you, not advertisers.
Bank-level encryption
Your data is encrypted in transit and at rest, with the security standards major financial institutions use.
We've done this before
Built by credit industry experts who built the credit-builder tool at Credit Karma. Two decades in the industry, over a million people served.
Solid Credit FAQ
How to build and protect my credit with Solid
Hardcore credit health.
No fluff.
Checking your credit never harms your score.
Cancel anytime.