What is Credit Up?
Bold, no-nonsense credit building.
Credit Up is the bold, no-nonsense way to take control of your credit. We teach you how credit really works, connect you to partner-powered monitoring so you always know where you stand, and — through our reporting partners — help your everyday payments actually count toward your score.
Every tier is built to move you forward, whether you're just starting out or ready for full-service credit building with a real specialist in your corner.
Our mission
Credit shouldn't be a mystery.
Most people don't know their score is moving until it's already too late. We built Credit Up to change that — teaching you the rules of credit, giving you the visibility, the tools, and the expert support to get ahead of your credit instead of chasing it.
We believe a stronger credit score opens real doors: better rates, more options, less stress. That's what we're here to help you build.
How it works
Three things that actually move your score.
Real monitoring
Our partner network pulls your live credit data across all three bureaus so you always know exactly where you stand. No surprises, no guessing — just clear, accurate numbers updated daily.
Everyday payments that count
Through our reporting partners, your rent, utilities, and subscriptions get reported to the bureaus. Every on-time payment you already make starts building your score.
A specialist when you need one
When you're ready for the full-service experience, a real credit specialist steps in — personalized education, dispute support coordinated with our partners, and a clear path forward.
Built for every stage
Start free. Scale when you're ready.
Every Credit Up tier is designed to meet you where you are and move you forward. Upgrade or add a Boost tradeline anytime.