A credit specialist in your corner, every step of the way
Pro is our full-service tier: real-time three-bureau monitoring, a dedicated credit specialist who teaches and guides you, and dispute management executed with our partner network — with monthly strategy calls to keep your score climbing.
Billed monthly. Cancel anytime.
Why members choose Pro
A real person who knows your file, your goals, and your next best move — not a chatbot, not a queue.
Your reports refresh every hour across all three bureaus — the fastest monitoring depth we offer.
Score changes, inquiries, and fraud indicators pushed the moment they're detected, by app and by text.
Your specialist and our partner network prepare, submit, and track your disputes for you — no letter templates to fill out on your own.
Everything included in Pro
Pro includes every Builder feature, plus the full-service layer that turns monitoring into results.
Dedicated credit specialist
Work with the same specialist for the life of your plan — personalized strategy, accountability, and answers when you need them.
Personalized action plan
A step-by-step plan built around your actual credit file: what to pay down, what to dispute, and what to leave alone.
Hands-on dispute management
Your specialist directs the strategy, and our partner network prepares and submits the disputes on your behalf, tracking every response until the item is resolved.
Monthly strategy calls
A scheduled call every month to review progress, adjust the plan, and pressure-test big decisions like new loans or card applications.
All 3 bureaus, hourly refresh
Equifax, Experian, and TransUnion monitored around the clock with hourly report refreshes.
Real-time alerts + SMS
All eight alert types delivered instantly in-app and by text message — new accounts, inquiries, derogatory marks, and more.
Everyday payment reporting
Your rent, utilities, and subscriptions reported to the bureaus through our reporting partners so every on-time payment builds your score.
Everything in Builder
Daily score updates, dispute letter templates, and priority support — all included, all covered.
Your first 90 days on Pro
Here's what the first three months look like once you subscribe — no guesswork, just a rhythm you can count on.
Kickoff & file review
Your specialist reviews all three of your reports with you on a kickoff call, flags the fastest wins, and locks in your personalized action plan.
First disputes filed
Your first round of dispute letters goes out to the bureaus — prepared by your specialist and submitted through our partner network, with every response tracked for you.
Score movement check-ins
Monthly strategy calls measure what's working, adjust the plan as bureau changes post, and set up the next round of actions.
Monitoring depth on Pro
Here's exactly what Pro's monitoring layer delivers compared with our other plans.
Monitoring uses soft pulls only — your score is never affected by checking it. Upgrade or downgrade anytime; your monitoring depth changes the moment your plan does.
Power it up with a Boost add-on
Stack a Boost on top of Pro to add a reported tradeline to your credit file. Boost is provided by our partner Kikoff — completing your purchase takes you to Kikoff's site.
Boost 750
Sold and billed by our partner Kikoff
An extra reported tradeline with a $750 credit line, reported to 1 major credit bureau.
Boost 2,500
Sold and billed by our partner Kikoff
An extra reported tradeline with a $2,500 credit line, reported to all 3 major credit bureaus.
Boost 3,500
Sold and billed by our partner Kikoff
Our largest add-on: a $3,500 reported credit line across all 3 major credit bureaus.
Boost add-ons are provided by our partner Kikoff and sold and billed on Kikoff's site.
Pro plan questions
Quick answers before you subscribe.
Within one business day of subscribing. Your specialist reaches out to schedule your kickoff call, which usually happens in week one.
Ready for the full-service experience?
Subscribe now and get matched with your dedicated credit specialist this week.