Simple Steps to Credit Success

How users add points

See Your Score Potential

01. Review

Your Current & Future Score

Assess where you stand now and see what your goal score can be.

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*Complete with pre-written creditor letter templates for resolution reasons to send directly to creditors!

IMPORTANT DISCLAIMER: Any credit scores, plus points, ScoreBuilder® points, or ScoreBoost™ points shown or inferred are estimates only. Individual results may vary, and results are not guaranteed. ScoreBuilder® is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service. ScoreBoost™ is a payment and spending simulation based on credit utilization. Credit score changes are also estimates only and typically apply to all credit scores similarly including FICO® & VantageScore® versions as credit scores are derived from TransUnion®, Experian® and Equifax® where your payments and spending are reported, and credit utilization is used for scoring.

Extra Helpful Tools

Keeping your credit utilization ratio under 10% can unlock hidden credit points. ScoreBoost tracks when your creditors will report your balance to the bureaus so you can pay down your debt as much as possible to show the lowest percentage.

ScoreBoost™

Credit Utilization Secret Weapon

Step 1

02. Identify

And Address Negative Marks*

Analyze your credit profile, identify items affecting your score, & receive a list of Action items in the order of greatest score impact.
Bonus: Pre-written creditor responses available!

03. Watch

Your Hard Work Pay Off

Every action you take makes a difference. Follow personalized steps to resolve credit issues and see your score change as a result of your efforts.

Get Payment Alerts to avoid missed due dates, track Spending Trends to stick to your budget, and set Transaction Limit Alerts to keep credit utilization low.

Money Manager

Step 1

Extra Helpful Tools

Keeping your credit utilization ratio under 10% can unlock hidden credit points. ScoreBoost tracks when your creditors will report your balance to the bureaus so you can pay down your debt as much as possible to show the lowest percentage.

ScoreBoost™

Credit Utilization Secret Weapon

Step 1

Get Payment Alerts to avoid missed due dates, track Spending Trends to stick to your budget, and set Transaction Limit Alerts to keep credit utilization low.

Money Manager

Step 1