# Solid Credit > Solid Credit helps people understand their credit reports and scores, build credit history, find potential errors, and choose their next steps with personalized credit tools. Solid Credit brings readable credit reports, a personalized Action Plan, Ask Solid AI guidance, monitoring, and dispute help together. Members can upload reports from AnnualCreditReport.com, and eligible plans pull reports and scores automatically. Rent and bill reporting, Credit Builder, and Allstate® Identity Protection are also available, subject to eligibility and plan terms. Key facts: - Solid Credit is a credit health company with tools for understanding reports, building credit history, monitoring changes, and disputing potential errors. - Plans are Free, Entry, Plus, and Premium. Free is $0; paid prices, trial offers, and included features appear on the pricing page. - Solid Credit makes money from subscriptions. It does not show ads or sell member data. - Solid Credit supports Equifax, Experian, and TransUnion reports. Automatic bureau coverage and refresh frequency depend on the plan. - Free report access varies: some offers use uploaded reports; others include a weekly Equifax report and score. Free does not include monitoring alerts. - Ask Solid and the personalized Action Plan use the member's credit data to explain what matters and what to do next. - Members choose what to dispute and review and approve their own letters. Solid Credit does not guarantee score increases or removal of report items. - Rent and bill reporting adds qualifying on-time payment history. Credit Builder is a separate bank-issued line of credit that requires an application and approval. - Allstate® Identity Protection is available on eligible plans, with activation and coverage terms. - Member data is encrypted in transit and at rest. Human support is available at support@solidcredit.com. Every product, company, and Answers page in the sitemap has a Markdown version at the same URL with `.md` added, such as `/bill-reporting.md`. The home page is at `/index.md`. The page links in this guide point to those versions. ## Markdown guides - [Features](https://www.solidcredit.com/features.md): Reports, scores, Ask Solid, Action Plan, dispute help, credit building, and monitoring. - [Plans and pricing](https://www.solidcredit.com/pricing.md): Plan differences, report access, and where to find current prices and offers. - [Trust and security](https://www.solidcredit.com/trust.md): Encryption, privacy commitments, member control, and support. - [About Solid Credit](https://www.solidcredit.com/about.md): Mission, team background, business model, and contact information. ## Product - [Home](https://www.solidcredit.com/index.md): Product overview and how to get started. - [Pricing](https://www.solidcredit.com/pricing): Current plans, prices, included features, and eligibility disclosures. - [Ask Solid](https://www.solidcredit.com/ask-solid.md): AI guidance grounded in a member's credit report data. - [Credit reports](https://www.solidcredit.com/see-my-credit-reports.md): Readable reports and a consolidated view of bureau information. - [Credit scores](https://www.solidcredit.com/check-my-credit-scores.md): Understand scores and the factors that affect them. - [Credit Action Plan](https://www.solidcredit.com/credit-action-plan.md): Personalized next steps based on a member's credit file. - [Build credit](https://www.solidcredit.com/build-credit-plan.md): How Solid Credit helps people build credit as a whole: a plan built from their own reports, reporting rent and bills they already pay, and Credit Builder on eligible plans, which requires a separate application subject to approval by Cross River Bank. - [Find and fix errors](https://www.solidcredit.com/dispute-credit-report-errors.md): Potential error detection and member-directed dispute help. - [Rent and bill reporting](https://www.solidcredit.com/bill-reporting.md): Report qualifying on-time rent, phone, and utility payments, with eligibility and score-impact disclosures. - [Credit Builder](https://www.solidcredit.com/credit-builder.md): Each month your line of credit pays your Solid subscription, and you repay the line. That repayment is what gets reported. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors including your activity with other financial services organizations. Solid Credit partners with Upward Financial to offer the Credit Builder. Upward Financial is a financial technology provider, not a bank. Line of credit issued by Cross River Bank, Member FDIC. Line of credit is not a deposit product. - [Credit monitoring and alerts](https://www.solidcredit.com/credit-monitoring-without-ads.md): Monitor credit changes without ads or sponsored product offers. - [Dark web monitoring](https://www.solidcredit.com/dark-web-monitoring.md): Monitoring for exposed personal information. - [Allstate® Identity Protection](https://www.solidcredit.com/identity-theft-protection.md): Identity monitoring, restoration support, and coverage details. - [Member app](https://app.solidcredit.com/): Sign up or sign in to use Solid Credit. ## Credit education - [Answers](https://www.solidcredit.com/answers.md): Index of every published credit guide, explanation, and story, with a link to the Markdown version of each. - [Credit basics](https://www.solidcredit.com/answers/topic/credit-101.md): How credit reports and scores work. - [Building credit](https://www.solidcredit.com/answers/topic/build-credit.md): Ways to establish and improve credit history. - [Protecting credit](https://www.solidcredit.com/answers/topic/protect-credit.md): Credit monitoring, fraud, and identity protection guides. - [Understanding report errors](https://www.solidcredit.com/answers/topic/how-errors-work.md): How errors happen and how disputes work. - [Download credit reports guide](https://www.solidcredit.com/download-credit-reports-guide.md): How to obtain bureau reports from AnnualCreditReport.com. - [Make sense of AnnualCreditReport.com reports](https://www.solidcredit.com/annual-credit-report-made-better.md): Upload one, two, or all three bureau PDFs for a clearer view. ## Company and support - [About us](https://www.solidcredit.com/about-us.md): Company mission and team. - [Support](https://www.solidcredit.com/support.md): How to contact the support team. ## Optional - [Privacy policy](https://www.solidcredit.com/privacy): How personal information is collected, used, and protected. - [Terms of use](https://www.solidcredit.com/terms): Account access, subscriptions, and service terms. - [Bill Reporting Terms](https://www.solidcredit.com/bill-reporting-terms): Eligibility, reporting, and cancellation terms for bill reporting. - [Sitemap](https://www.solidcredit.com/sitemap.xml): Full index of public marketing pages and published Answers articles.