Build credit while taking better care of it.

Build credit history, understand what's affecting your credit, and find out what to do next, all in one Solid Credit membership.

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Checking your credit never affects your score. No ads, no data selling.

Build history, understand your credit

What can I do to build credit?

Add on-time payments to your credit reports, and see what else is affecting your credit. Solid Credit gives you tools for both.

  • A line of credit

    Credit Builder

    Build payment history with a line of credit up to $5,0006

    Credit Builder is a line of credit that works like a store card for one store: Solid Credit. It pays your monthly subscription, you repay it, and your on-time payments and your credit limit go on your credit reports.2

    0% APR. No annual fees.1

    No security deposit. No hard credit check to apply.

    +31

    points within 6 months by paying your subscription5

    Credit Builder users experienced an average 31-point credit score increase over six months.

  • Reporting bills you already pay

    Rent and bill reporting

    We report the rent, phone and utility bills you pay on time to your credit report, so they help build your credit.

    Up to 24 months of past payments, included

    No new loan, card or hard credit check

    Separate from Credit Builder. Eligibility varies.

  • Personalized guidance

    Your Credit Action Plan

    Your custom action plan is tailored to your actual report and goals, not generic advice. Your plan is balanced with your life circumstances so you can feel good about always making progress.

    Your steps depend on what's in your reports.

    30-45 days

    Review errors

    Dispute the Cedar Ridge collection on Equifax

    Equifax lists a balance TransUnion does not. We will draft the dispute and you decide whether to send it.

Example member. For illustrative purposes only.

Illustrative example

An illustrative, scripted Ask Solid AI conversation about why a score dropped when no payments were missed

A scripted example, not a live Ask Solid AI answer. Answers depend on your own reports.

Guidance for your actual situation

Why did my credit score drop?

“My score dropped 41 points this month and I haven't missed a payment. What happened?”

Scores move for reasons nobody explains: a new collection, a balance that reported high, a card the lender closed. Ask Solid AI reads your own reports, explains what's going on in plain language, and helps you work out the next step that fits.

See plans

More than a credit score

What does a Solid Credit membership include?

Monitoring, report analysis and next steps, with no ads or card offers pushing you toward another credit product.

  • Credit monitoring and alerts
  • Personalized report analysis
  • Error review and disputes
  • Identity protection†

Included features vary by plan.

The Solid Credit app's Your report changes screen: a calendar of changes and what's helping

Example member. For illustrative purposes only.

Plans

How much does Solid Credit cost?

Start with your reports and your plan. On a paid plan, add monitoring and protection, and apply for Credit Builder, when you're ready.

Free
$0.00

Expert credit guidance for all

  • Weekly Equifax credit report, score & checkup
  • Rent & bill reporting
  • Personalized credit action plan
  • Ask Solid, your AI credit coach
  • Bank-level security
  • No
  • No daily alerts & monitoring
Entry
$5/mo

Easy to start, cancel any time

  • $1,500 reported ‡
  • Rent & bill reporting
  • Weekly Equifax credit report, score & checkup
  • Daily alerts & monitoring
  • Personalized credit action plan
  • Ask Solid, your AI credit coach
  • Bank-level security
Plus
Team pick
$15/mo

Find a better value, we dare you

  • All the perks of Entry
  • $2,500 reported ‡
  • Rent & bill reporting
  • Allstate® Identity Protection, including up to $1M identity theft reimbursement† and dark web monitoring
Premium
$35/mo

Creditmaxxing!

  • All the perks of Entry & Plus
  • $5,000 reported ‡
  • Rent & bill reporting
  • Credit reports and scores from Equifax, TransUnion, and Experian
  • Full-family Allstate® Identity Protection†
  • Premium support
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Questions, answered

Common questions about building credit

Pay every account on time, keep your card balances low compared with their limits, and check your reports for errors. If you don't have much history yet, you can add on-time payments to your credit reports: with a credit builder account, or by reporting rent and bills you already pay.2 Your Solid Credit plan puts these steps in order for your own reports.

It really depends on your credit profile. For example, having limited credit history is different from not having enough diversity of accounts, or high utilization, or a history of late payments. Each one of those requires a different approach. There's no one formula that works for everyone. That's why we build you a custom plan and help you follow through on it.

Only if it's reported. Bill Reporting can add rent and bills you pay on time to your credit report, including up to 24 months you've already paid. Only on-time payments are reported. How much it matters depends on your whole credit file and on the scoring model a lender uses, so results vary.

Usually late payments, because payment history carries the most weight in the most common scoring models. High card balances, collections and errors on your reports can also pull a score down. Your check-up shows which of these are on your reports.4

In three separate ways that work together. Credit Builder is a line of credit that pays your Solid Credit subscription. You repay it, and your on-time payments are reported to the credit bureaus.2 Bill Reporting can add eligible rent and bills you already pay. And your Credit Action Plan shows what else is affecting your credit and what to do next, with Ask Solid AI to answer questions along the way.

Credit Builder is a line of credit from our bank partner that works like a store card. A store card is used at one store; Credit Builder is used to pay your Solid Credit subscription. Each month you borrow the cost of your subscription from the line and repay it. Those on-time payments are reported to the credit bureaus, along with your credit limit.2 That works on the two biggest factors in your credit score: payment history and utilization.4

No. Applying uses a soft inquiry, which won't affect your credit score. If you're approved, a new account from Upward Financial, our partner, appears on your credit report.

No security deposit, 0% APR, and no annual fees. Credit Builder comes with your Solid Credit subscription, which is required.1

No. You should be skeptical of anyone who does. Credit scores depend on your whole credit file, not any one account. What builds history is on-time payments, month after month, and your plan shows what else is worth working on.

Build credit history.
Know what's next.

Get started