Looking for better credit monitoring?

No spam.
No ads.Just credit health.

Actually useful credit monitoring and daily alerts, an AI credit coach, and error check-ups. You pay $1.99/mo, so everything in here works for you, not advertisers.

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Checking your credit never harms your score.
Cancel anytime.

A free credit app, its screen buried under offers
Solid Credit, showing an Ask Solid conversation about your own credit
Credit card offer, 0% intro APR
Personal loan, up to $50,000
Insurance offer, save up to $827
Cash advance, get cash fast
Special financing, you are pre-qualified
Other appsSolid Credit
No ads, ever
No loan or card offers
No selling your data
Bank-level encryption
Just credit health
Cancel anytime
Your score, your report, your plan
Built for people, not advertisers
No ads, ever
No loan or card offers
No selling your data
Bank-level encryption
Just credit health
Cancel anytime
Your score, your report, your plan
Built for people, not advertisers
No ads, ever
No loan or card offers
No selling your data
Bank-level encryption
Just credit health
Cancel anytime
Your score, your report, your plan
Built for people, not advertisers
The Solid Credit founders

Why we built this

We got sick of the ads and spam alerts

We’re a team of Credit Karma alumni. We spent years building credit tools inside the “free” app world: the ads, the loan offers, the spam alerts.

Credit health deserved a better motivation than that. So we left and built a company where the only people we answer to are the ones using it.

What’s inside

What we built instead of ads

  • Analysis & Summary

    Your score is one number. It doesn’t tell you why. We read the hundreds of data points behind it, across all three bureaus, and tell you what’s actually driving it.

    Credit check-up with scores from all three bureaus, habits and depth ratings, new records and likely errors

  • Ask SolidAI, your AI credit coach

    It has read all three reports, every account and every remark, before you ask. It understands what’s going on with your credit, and it can help you do something about it.

    Ask Solid answering a question about a credit report

  • Credit monitoring and daily alerts

    When something changes on your report, we help you understand what caused it, what it means, and what to do about it.

    A weekly score alert and an alert about a new account, each with an action to take

  • Personalized credit
    action plan

    Built from analyzing your reports, organized by how much work each one takes and how much it helps. We check your credit data to confirm each one worked.

    Credit action plan with the best next move at the top

  • Credit accuracy tools

    We search your reports across 13 dimensions for anything that looks wrong, whether the bureaus disagree or a lender contradicts itself, and help you straighten it out.

    Analyzing your credit
    Records flagged across all three bureaus: a balance mismatch, a duplicate account, an address that is not yours

  • Identity protection

    Up to $1M in Allstate® Identity Protection on Premium, watching the records behind your credit as well as the credit itself

    Personal records behind a shield, protected against identity theft
    Allstate Identity Protection
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Cancel anytime · We never sell your data

How it works

Three steps to real progress

  1. Get your reports in

    Upload them yourself, free, whenever you want. Or let us pull them for you.

    Reports moving from your phone into an inbox

  2. We analyze and translate them

    Your reports are written in bureau shorthand. We turn 230+ remark codes into plain English and grade every account.

    Reports under a magnifier, with one line flagged for review

  3. Take action

    A plan ordered by how much work each step takes and how much it helps. Then we check your credit data to confirm it worked.

    Steps climbing toward a flag, with a task being checked off
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Cancel anytime · We never sell your data

The math behind free

We’d rather earn your money than sell you loans.

Somebody pays the credit apps. The only question is — who?

How the other apps get paid

  1. 1Your dashboard fills up with credit cards, loans, and refinance offers.
  2. 2When you take one, the lender pays them. Their real customer is the lender. Not you.
  3. 3So the app is built to bring you back and get you into more debt.

How we get paid

  1. 1We make credit tools worth paying for, and you pay us. That’s the entire business.
  2. 2When something costs us almost nothing to offer, it’s free. Everything else is the lowest price that still keeps us running.
  3. 3So there’s nothing to sell you but the product.

We answer to you, not lenders.
The product proves it.

Solid Credit compared with typical ad-supported credit apps
Solid CreditMost credit apps
Bureau coverageAll 3 in one side-by-side viewUsually 1 or 2
Report analysisHundreds of data points across 3 bureausThin if any real analysis
AI credit coachAsk SolidAI, it knows everything about your reportsGeneric answers, if any
Alerts & NotificationsInformative and action-orientedSpammy and sales-oriented
Personalized credit action planStep-by-step plan to help you build creditNothing specific to you
Credit accuracy toolsWe help you find likely errors and correct them across all 3 bureausUsually one bureau, generic

Comparison based on typical ad-supported credit apps as of 2026.

Get started

Checking your credit never harms your score.
Cancel anytime.

Pricing

Free where it should be. Affordable where it counts.

We’d start with Plus. Move up or down anytime.

Free

DIY · On-demand

Bring your own reports

Upload any or all three reports from annualcreditreport.com (free) and we'll give them a full check-up, free.

$0/mo · No ads
  • Report summary, analysis, and accuracy check
  • Easy-to-read, 3-in-1 report view
  • See what’s changed
  • Personalized credit action plan
  • Ask SolidAI, your AI credit coach
  • Custom dispute letter assistance

No credit score on Free. Reports you upload from annualcreditreport.com don't include one. Plus adds your Equifax score, updated weekly.

Plus
Team pick

Automatic · Equifax

Equifax, fresh every week

We pull your Equifax report and score every week and alert you instantly when something changes. Nothing to upload.

$1.99/mo · No ads
  • Your Equifax report and score, weekly
  • Daily alerts for new and accounts (Equifax)
  • Automatic error check-up, every week
  • Add Experian & TransUnion anytime (free upload)
  • Ask SolidAI, your AI credit coach
  • Dispute letters: you print & mail
Premium

Automatic · All 3 bureaus

All 3 bureaus, on autopilot

Get three-bureau monitoring, identity protection, and more automated help

$30/mo · No ads
  • Reports and scores from all 3 bureaus, monthly
  • Allstate® identity protection, up to $1M†
  • Dispute letters: we mail them for you
  • Daily alerts for new inquiries and accounts (all 3 bureaus)
  • Automatic error check-up, every week
  • Ask SolidAI, your AI credit coach
Get started

Cancel anytime · We never sell your data

Common questions

Hardcore credit health.
No fluff.

Get started

Checking your credit never harms your score.
Cancel anytime.