Take Control of Your Credit
Learn how credit really works. Track your progress with partner-powered monitoring. Level up with a specialist when you're ready.
✓ Join 50,000+ members rebuilding their credit
Real-Time Tracking
Watch your score move, updated continuously, not once a month.
Smart Monitoring
Get alerted the moment something changes on your report.
Credit-Building Tools
Personalized lessons and actions that actually move your number.
Three steps to a stronger score
Connect
Link your accounts in minutes. Our partner network pulls your real credit data so you always know exactly where you stand.
Monitor
Track every change to your score in real time. Get alerts the moment something moves — good or bad.
Build
Let your everyday payments work for you. Rent, utilities, subscriptions — reported by our partners, they all count toward your score now.
Everything you need to win
Real Credit Monitoring
Live score tracking across all three bureaus through our partner network. No surprises, no guessing — just clear, accurate data updated daily.
Everyday Payments Count
Through our reporting partners, your rent, utilities, and subscriptions get reported to the bureaus. Every on-time payment builds your score.
Specialist Access
When you're ready for the full-service experience, a real credit specialist steps in — personalized education, dispute guidance coordinated with our partners, and a clear path forward.
Real members. Real score gains.
Thousands of Credit Up members have moved their scores into new territory. Here's what some of them have to say.
"I started at 590 and honestly thought my credit was beyond repair. Eight months of following my action plan, disputing two old collections, and keeping my utilization down — I'm at 710. I just got approved for my first credit card with a real limit."
"The rent reporting is what sold me. My rent payments finally count toward my credit instead of disappearing into my landlord's pocket every month. Six months later my score went up 85 points and my car loan refinancing offer dropped almost two full points in interest."
"After one late payment wrecked my score in college, I stopped checking my credit entirely — it was too depressing. Credit Up's monitoring changed that. The alerts made it feel manageable, and the dispute templates helped me remove an error that had been sitting on my report for three years."
Individual results vary. Score gains reflect member-reported outcomes and depend on your starting profile, payment history, and plan usage.
Pick your path forward
Every tier is built to move you forward. Upgrade or add-on anytime.
Free
Start learning and tracking your credit today — no credit card required, ever.
- Credit score snapshot
- Monthly score updates
- Score change alerts
- Educational resources
Builder
For people serious about moving the needle — fast.
- Everything in Free
- Daily score updates
- Everyday payment reporting
- Dispute letter templates
- Priority support
Pro
Full-service credit building with a real specialist in your corner.
- Everything in Builder
- Dedicated credit specialist
- Personalized action plan
- Partner-coordinated dispute handling
- Monthly strategy calls
Specialist
White-glove credit rebuilding — exclusive to Pro members.
- Everything in Pro
- Weekly 1-on-1 strategy calls
- Same-day specialist response
- Full-service partner-managed disputes
- Included credit-builder tradeline
Your score is waiting to move.
Start free. No credit card required.