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
Power it up with an add-on
Boost tradelines are revolving credit lines provided by our partner Kikoff, Kovo Credit Builder is an installment loan from our partner Kovo, and Ava Credit Builder pairs a credit card with a savings account from our partner Ava. Stack one on top of any plan to add a positive account to your credit file.
Boost 750
Add-onRevolving credit lineBoost 750 adds an extra reported tradeline with a $750 credit line on top of any Credit Up plan, giving your credit file an additional positive account working in your favor.
- $750 reported credit line
- Reports to 1 major credit bureau
- Builds ongoing payment history
- Helps lower your overall credit utilization
Reports to only 1 bureau. For all 3, see Boost 2,500 or Boost 3,500.
Sold and billed by our partner Kikoff
Boost 2,500
Add-onRevolving credit lineBoost 2,500 adds an extra reported tradeline with a $2,500 credit line, reported across all three major credit bureaus for maximum impact on your file.
- $2,500 reported credit line
- Reports to all 3 major credit bureaus
- Builds ongoing payment history
- Helps lower your overall credit utilization
A strong mid-level option for broader bureau coverage and a larger reported line than Boost 750, without going all the way to Boost 3,500.
Sold and billed by our partner Kikoff
Boost 3,500
Add-onRevolving credit lineBoost 3,500 is our largest add-on tradeline, reporting a $3,500 credit line across all three major credit bureaus for the biggest possible impact on your file.
- $3,500 reported credit line
- Reports to all 3 major credit bureaus
- Builds ongoing payment history
- Helps lower your overall credit utilization
Our top add-on tier — the largest reported line and full 3-bureau coverage we offer.
Sold and billed by our partner Kikoff
Kovo Credit Builder
Add-onInstallment loanThe Kovo Credit Builder installment loan adds a fixed monthly payment account to your file for $10 a month over 24 months. Unlike the Boost revolving lines, it builds credit through a loan you pay down — and your payment performance is reported to TransUnion®, Equifax®, Experian®, and Innovis® every month.
- $10/mo fixed for 24 months — $240 total
- Reports to all 4 major credit bureaus
- Builds ongoing payment history
- Helps your odds for car and home financing
24-month installment loan provided by our partner Kovo. Application, approval, and billing happen on Kovo's site.
$10/mo for 24 months — $240 total
Ava Credit Builder
Add-onCredit card + savings tradelineIn a world of hidden fees and misleading offers, Ava is transparent about pricing: a single membership fee gives you access to all Ava products — absolutely no nickel and diming. The Ava Credit Builder Card and Save & Build Account create two additional tradelines on your credit report, strengthening your profile through on-time payments, a more diverse credit mix, and a longer account history. Your Ava Save & Build Credit Account is a simple, automated tool designed to help you build credit while also growing your savings.
- Two additional tradelines: Credit Builder Card + Save & Build Account
- One membership fee unlocks ALL Ava products — no nickel and diming
- Strengthens on-time payments, credit mix, and account history
- Save & Build grows your savings while it builds your credit
Provided by our partner Ava. Membership, application, and billing happen on Ava's site.
$10/mo monthly, or $60 a year — save 50%
Pricing questions, answered
Everything about plans, billing, and add-ons — in plain English.
Yes — upgrade or downgrade anytime from your dashboard, in two clicks. There are no contracts and no switching fees. When you upgrade, the change takes effect immediately and your billing is prorated, so you only pay the difference for the time remaining. When you downgrade, your new rate applies at the start of your next billing cycle, and your score history, monitoring feed, and reported payment history all carry over untouched.
Still have a question? Reach us through the contact page — real humans answer every message.