Every plan includes 3-bureau monitoring, $1M ID theft insurance, and the full feature set. No upsells. No hidden fees. Cancel anytime.
Perfect for first-timers who want to see their score and stop surprises.
The complete platform. Chosen by 8 out of 10 members. Best value for active improvement.
White-glove service for high-stakes goals — mortgages, business loans, fast rebuilds.
For $10.89 more than Starter, Pro unlocks the entire improvement engine — the tools that actually move your score.
Every morning you get a ranked list of moves with predicted score impact. "Pay Chase card down to $340 → +14 points." That's the difference between watching your score and controlling it.
Starter shows you errors. Pro files the disputes for you — across all three bureaus simultaneously — and tracks resolution. Members remove 23 negative items on average.
Thinking about financing a car? Closing an old card? Pro simulates the exact score impact before you commit. No more guessing — no more regrets.