Question 1

What is Credit Up?

Accepted Answer

Credit Up is an all-in-one credit education and monitoring platform. We teach you how credit works, and — through our partner network — you get three-bureau score tracking, real-time alerts, dispute support, and optional Boost tradelines, with a dedicated credit specialist on higher plans.

Question 2

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 3

Which credit bureaus do you monitor?

Accepted Answer

All three: Equifax, Experian, and TransUnion. Your dashboard shows scores and report changes from each bureau side by side, so nothing slips through the cracks.

Question 4

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 5

What's the difference between the plans?

Accepted Answer

Free ($0) covers your score and the essentials. Builder ($29/mo, or $24/mo annual) adds three-bureau monitoring and dispute letter tools. Pro ($79/mo, or $66/mo annual) adds partner-coordinated dispute management, priority support, and Boost discounts. Specialist ($20/mo, or $17/mo annual) is a dedicated-credit-specialist add-on available to Pro members.

Question 6

Do you offer annual billing discounts?

Accepted Answer

Yes. Annual billing saves you roughly 15% on every paid plan — Builder drops to $24/mo, Pro to $66/mo, and Specialist to $17/mo, billed once per year.

Question 7

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 tradelines are provided by our partner Kikoff — you can compare the three tiers on the pricing page, and completing your purchase takes you to Kikoff's site, where the add-on is sold and billed.

Question 8

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 9

Who can access the Specialist plan?

Accepted Answer

Specialist is reserved for Pro members and above. Once you're on Pro, the Specialist page unlocks and you can add a dedicated credit specialist to your account for $20/mo ($17/mo annual).

Question 10

What kinds of alerts will I receive?

Accepted Answer

Credit Up watches for new accounts, hard inquiries, utilization changes, late payments, collections, identity flags, score drops, and report updates — eight alert categories across all three bureaus.

Question 11

How quickly do alerts arrive?

Accepted Answer

Alerts are pushed to your dashboard and email as soon as a bureau reports a change — typically within 24 hours of the update hitting your file, so you can act while it still matters.

Question 12

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.

Question 13

Do you sell my personal data?

Accepted Answer

Never. Your data is used to power your dashboard, alerts, and dispute tools — and for nothing else. We don't sell, rent, or share your personal information with advertisers or data brokers.

Frequently asked questions

Getting started

Plans & billing

Monitoring & alerts

Security & data

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