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The Smart Software to Help You Build Credit

Personalized tools you need to get the credit scores you deserve

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Credit Building Tools at Your Fingertips

Do you know more than 1 in 3 people have inaccuracies on their credit report? Disputing inaccuracies on your credit report can help you quickly build your credit score.

Source: Consumer Reports

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Credit management that’s as easy as 1, 2, 3

We make it simple and streamlined for you to build credit. Here’s how it works.

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1. Sign up

Sign up in a few clicks, and we analyze your credit information from all 3 major bureaus.

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2. Use our smart software to manage your credit

Our AI flags your credit report for items negatively affecting your score, helps you generate dispute letters, and gives you education on how to build your score.

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3. Enjoy the freedom your new credit gives you!

Buy your home, get that loan, save thousands of dollars on interest, and more.

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Get Started For $39.99/mo.

We give you the tools to take control and build your credit.

Credit Scores & Personal Finance

Monitor your credit for fraud and receive personalized actions you can take to build credit and improve finances.

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Track Your Progress

Easily keep track of your dispute letters and the responses you receive from the credit bureaus.

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Credit Report Review

Review flagged items that can potentially be negatively affecting your credit score.

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Dispute Hub

We make it easy to dispute those negative items on your credit report. Our Dispute Hub generates custom dispute letters for each credit bureau and tracks your progress.

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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 3-bureau reports and scores.
  • Review what is negatively affecting your score, including flagged inaccuracies.
  • Generate dispute letters through the platform and mail letters to credit bureaus.
  • Track your scores, reports, and follow your progress.
How much does CreditBuilderIQ cost?

CreditBuilderIQ costs $39.99/month.

Why should I use CreditBuilderIQ?

CreditBuilderIQ helps you resolve credit inaccuracies at a low cost and on your own schedule. Unlike pricey alternatives, CreditBuilderIQ puts you in control by providing easy access to your credit report along with tools to identify inaccuracies and generate dispute letters. It’s a convenient, affordable way to reach your credit goals.

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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.

© 2025 IDIQ® provider of CreditBuilderIQSM services. All Rights Reserved.