Members see offers picked from their own credit report. We only show an offer when it fits.
You pay rent every month, but most credit reports never see it. BuildCredit Rent adds it to your report, plus up to 24 months of rent you've already paid.
Your on-time rent can start building your credit.
Data broker sites post your name, address and phone number. We find them and request removal for you.
Cancel anytime.
Build credit with a secured or starter card.
See offers ›Small loans that build your payment history.
See offers ›Cards for your credit range, including secured cards.
See offers ›Compare loan offers without hurting your score.
See offers ›New and used car loans.
See offers ›Lower your car payment with a better rate.
See offers ›Mortgage and refinance offers.
See offers ›Refinance or combine your student loans.
See offers ›Keep business spending separate and earn rewards.
See offers ›Funding to start or grow your business.
See offers ›Low-fee accounts, including second-chance banking.
See offers ›Grow your money with high-yield savings.
See offers ›Disclosure: We may receive compensation if you sign up through this offer. This does not affect the price you pay for the product or service.
Soon you'll see offers picked from your own credit report, so you only apply when it fits. In the meantime, you can see all 3 of your credit scores and reports at Credit Hero Score.
Visit CreditHeroScore.comWe're putting the finishing touches on it. In the meantime, you can see all 3 of your credit scores and reports at Credit Hero Score.
Visit CreditHeroScore.comTell us what you want. A house, a car, your own business. We read your credit report and tell you exactly what to do next, step by step. Then we show you offers you now qualify for.
WHAT'S YOUR BIG GOAL?
You were working toward the house, the car, your own business. Then one hard season knocked your credit down, and now your dream feels out of reach.
Your past doesn't decide your future. A plan does.
Scores shown are examples.
Pages of accounts and codes. Three different scores. You close it more confused than when you started, and you still don't know how to recover.
But how do you get there?
Get all 3 credit scores, credit reports, and your own step-by-step Game Plan, built from your report and your goal. On your computer or in our mobile app.
762+18START: 731
771+12START: 748
758+15START: 729To bring this card under 30% of its limit.
Start This Action762+18START: 731771+12START: 748758+15START: 729To bring this card under 30% of its limit.
Start This ActionScores and accounts shown are examples.
It reads every account on your own credit report, finds the few moves that matter most, and puts them in the right order for your goal.
They'll do more for your score than everything else on your report combined.
Pick your goal. Your plan is ready in about a minute.
Your October Game Plan
Built from your October credit report
Your steps come from your own report.
YOUR MONEY. YOUR GOALS.
Credit reports have mistakes. And sometimes a creditor or collector breaks the rules. When that happens, the law is on your side, and you could be owed money.
Your Game Plan looks for signs that a creditor or collector may have broken the Fair Credit Reporting Act (FCRA) or the Fair Debt Collection Practices Act (FDCPA).
If something looks off, we connect you with an attorney who reviews it at no cost to you.
If the attorney finds a violation, you may get a cash settlement. Your Game Plan walks you through every step.
Not every report has a violation, and results vary. CreditHero is not a law firm and doesn't give legal advice. Reviews are done by independent partner attorneys.
Credit can feel stressful. We make it simple, with the right tools in the right order.
Your Game Plan shows the steps that can raise your score the most, and the tools to take them.
Apply when your score is ready, with offers matched to your credit.
A better score can mean a lower rate, and a lower payment every month.
When your score is ready, shop offers that fit your credit, all in one place.
See every score and every account on the big screen, then take your Game Plan with you wherever you go.
Credit ReportGame PlanOffersYou are using 12% of the credit you have available. Keep it under 30% to protect your score.
To bring this card under 30% of its limit.
Start This ActionScores and accounts shown are for illustrative purposes only.
Alerts that keep you on track, every week.
CREDIT HEROYour new credit report is ready. See what changed.
CREDIT HEROYour score went up. See your next step.
CREDIT HEROYour Visa bill is due today. Tap to pay it now.
CREDIT HEROYou can't autopay this one, so we'll remind you the day it's due.
CREDIT HEROIt's Game Plan day. Two minutes to your next move.
CREDIT HEROYou fell behind. Come back today; that's your promise.
CREDIT HEROYou now qualify for a new offer.
CREDIT HEROYour coach sent you a message.
Every day, people walk into a lender, a dealer or a realtor's office ready to buy, and they're not ready yet. Don't lose them. Give them a free Game Plan with your name on it. When they're ready, they come back to you.
Your scores, your reports, your Game Plan and the help to reach your goal. All in one place.
All three bureaus, side by side, with your history every month.
Every account in plain words, on your phone or computer.
Step by step, biggest impact first, built from your report.
If a creditor or collector may have broken the law, a partner attorney looks at it for free. You could get cash.
When your score is ready, shop offers that fit, all in one place.
Free to sign up and free to use
Checking your own credit will not affect your credit scores
Your data is encrypted and private
Free. Pick your goal and your plan is ready in about a minute.