Question 1

Will checking my score with Credit Up hurt my credit?

Accepted Answer

No. Credit Up uses a soft inquiry to access your credit report, which has zero impact on your score. Only hard inquiries — like applying for a new credit card or loan — affect your score.

Question 2

How do I dispute an error on my credit report?

Accepted Answer

Builder and Pro plan members get access to dispute letter templates and step-by-step guidance. Pro members also get hands-on dispute management from a dedicated credit specialist. Free plan members can upgrade at any time from the pricing page.

Question 3

How long does it take to see my score improve?

Accepted Answer

Most members see their first score movement within 30 days. Significant improvements — like resolving a dispute or adding a Boost tradeline — typically show up within 60–90 days. Results vary based on your starting profile.

Question 4

Can I cancel my subscription at any time?

Accepted Answer

Yes. There are no contracts or cancellation fees. You can downgrade to the Free plan or cancel entirely from your account settings at any time. Your data remains accessible on the Free plan.

Question 5

What is a Boost tradeline and how does it work?

Accepted Answer

A Boost tradeline is a seasoned credit account added to your credit profile as an authorized user. It can increase your available credit and lower your utilization ratio, both of which positively impact your score. Boost add-ons are available on the pricing page.

Question 6

Is my personal and financial data secure?

Accepted Answer

Yes. Credit Up uses 256-bit encryption for all data in transit and at rest. We use read-only access to your credit profile — we never store your login credentials for any financial institution.

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