Plans & Pricing
A better credit score starts here. Choose a plan, ditch the doubt, and build the life your credit deserves.
Premium
$39/mo99
Monthly 3-Bureau Credit Reports & Scores
Personalized Gameplan
Inaccuracy Disputing
Utility Payment Reporting including 24 month historical reporting
Rental Payment Reporting including 24 month historical reporting
Score Center and Goal Tracking
Quick Action Guidance
Score Factors Education
Secured Card & Builder Loan Guidance
Prime
$14/mo99
Monthly 1-Bureau Credit Reports & Scores
Personalized Gameplan
Inaccuracy Disputing
Utility Payment Reporting including 24 month historical reporting
Rental Payment Reporting including 24 month historical reporting
Score Center and Goal Tracking
Quick Action Guidance
Score Factors Education
Secured Card & Builder Loan Guidance
+20
pts
You can increase your credit score by at least 20 points in 30 days.
Source: CreditXpert Mortgage Credit Potential Index
FAQs
Find the answers you need to help conquer your credit goals.
It varies by individual, but you can increase your credit score by at least 20 points in 30 days and 50 points or more for individuals who stay on the product longer.
Sources: CreditXpert Mortgage Credit Potential Index and IDIQ® Study of IdentityIQ® and MyScoreIQ® brands
How can I get started with CreditBuilderIQ?
- Sign up and get access to your credit reports and scores.
- Review what is negatively affecting your score, including possible inaccuracies.
- Generate dispute letters through the platform and mail letters to credit bureaus.
- Set up rent and utility payment reporting to help build your credit score with bills you already pay.
- Track your credit scores, monitor your credit reports, and follow your credit building progress.
Why should I use CreditBuilderIQ?
CreditBuilderIQ helps put you in control of resolving credit inaccuracies without breaking the bank. Along with tools to help you identify and dispute potential errors, it also helps you build your credit by reporting rent and utility payments you already make. CreditBuilderIQ is a convenient, affordable way to reach your credit goals.
Screens may be modified for demonstration purposes and subject to change.
Results may vary. CreditBuilderIQ℠ services are 100% U.S.-based. CreditBuilderIQ provides credit report information from Experian, Equifax and TransUnion. CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. CreditBuilderIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.
Results may vary. Some members may not see an increased score or increased creditworthiness. Lenders use a variety of credit scores and may make decisions about your creditworthiness based on a credit score different from those impacted by positive rental and utility reporting.
© 2025 IDIQ® provider of CreditBuilderIQSM services. All Rights Reserved.
Results may vary. CreditBuilderIQ℠ services are 100% U.S.-based. CreditBuilderIQ provides credit report information from Experian, Equifax and TransUnion. CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. CreditBuilderIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.
Results may vary. Some members may not see an increased score or increased creditworthiness. Lenders use a variety of credit scores and may make decisions about your creditworthiness based on a credit score different from those impacted by positive rental and utility reporting.
© 2025 IDIQ® provider of CreditBuilderIQSM services. All Rights Reserved.