From sign-up to score growth
Credit Up walks you through every step — no guesswork, no jargon. Here's exactly how it works.
Get started free
Create your free account
Sign up in under two minutes with just your name and email. No credit card required — ever. Your free plan starts the moment you confirm your email.
Connect your credit profile
Securely link your credit profile so our partner network can retrieve your current score and full report. Access is read-only — your login credentials are never stored.
Get your personalized action plan
Our engine analyzes your report and teaches you the highest-impact actions — from disputing errors to optimizing utilization. You'll see exactly what to do and in what order, and our partners can execute the filings when you're ready.
Track your progress in real time
Watch your score move as you take action. Your dashboard updates daily, shows bureau-by-bureau breakdowns, and alerts you to any changes the moment they happen.
Why this approach works
Credit repair isn't magic — it's accuracy, consistency, and the rules the bureaus are legally required to follow.
Disputes backed by data
Every dispute you file — on your own or through our partner network — references specific inaccuracies found in your actual report, not a generic letter blasted at all three bureaus.
Payment history that counts
Your rent, utilities, and subscriptions get reported to the bureaus through our reporting partners, building the single largest factor in your score with payments you're already making.
Compliance-first by design
Everything we teach — and everything our partners execute — works within the Fair Credit Reporting Act and the bureaus' own dispute processes, so results come from real accuracy, not tricks that unravel later.
Common questions
Everything you need to know before getting started.
Ready to take control of your credit?
Join 50,000+ members already building better credit with Credit Up.