Features
What Instacredit watches for you
Monitoring is only useful if it tells you something you can act on. Here is the full list, and all of it is included.
Your score, your goal, and the gap
Set a target score and a date. See where you are today, how far you have to go, and whether this month moved you closer.
Why your score moved, in plain English
Every change comes with the reason behind it: a balance that went up, a new inquiry, an account that aged. No glossary, no guessing.
What to do next, ranked by impact
Your factors sorted by how much each one is holding you back, with the single action that would move your score the most.
Progress you can actually see
Score, balances and utilization over time, so you can watch what you are doing start to work.
An alert the moment anything changes
A new account, a hard inquiry, an address change, a balance that jumped. If it lands on your report, you know the same day.
Your full report, and a heads-up on fraud
Every account, balance and inquiry laid out clearly, plus an alert when something on your file looks like it is not you.
Your score
See the number lenders see, before they see it
Your score updates on a regular schedule, so you always know where you stand today. Every check is a soft inquiry that only you can see, so looking never costs you points.
Alongside the number, we show the factors behind it and which one is holding you back, so you know what to work on first.
Alerts
Find out the same day, not months later
We read your credit report for changes and send you an alert when something lands on it: a new account, a hard inquiry, a balance that jumped, a change of address.
If it is something you did, you can ignore it. If it is not, you find out while there is still time to do something about it.
Your report
Your full report, explained in plain English
Every account, balance, payment and inquiry, laid out clearly. No glossary needed. Spot a mistake, and we point you to the bureau's free dispute process so you can get it fixed.
See what’s affecting your credit in about two minutes
30 days free, then $19.99/month. Cancel anytime. Checking never affects your score.
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