How it works
From sign-up to your score in about two minutes
No paperwork, no phone calls, and nothing that touches your credit.
- 1
Create your account
Email, a quick identity check, and you are in. About two minutes, and your first 30 days are free.
- 2
Set your goal
Pick the score you want and when you want it. We pull your credit with a soft inquiry, so only you can see it and it never affects your score.
- 3
Follow the plan
Your biggest levers, ranked, and the one thing to do next. We watch the rest: your report stays monitored and you hear the moment anything changes.
- Checking never affects your score
- 30 days free, cancel anytime
- No credit card offers, ever
- We never sell your data
A score is only useful if you know what moves it
A number on its own tells you where you are, not how you got there. Instacredit breaks your score into the factors behind it, so you can see which one is actually costing you points and what changing it would be worth.
- Soft inquiries only
- We check your credit on your behalf with a soft inquiry. Only you can see it, and it has no effect on your score.
- Refreshed on a schedule
- Your score and report update regularly, so the picture stays current instead of going stale between statements.
- Alerts that are worth reading
- We tell you when something material lands on your report: a new account, a new inquiry, a changed balance.
What’s affecting your score
Illustrative only. Your dashboard shows your own data.
After sign-up
Then we keep watching, so you do not have to
Once your account is set up there is nothing to remember. We refresh your score, read your report for changes, and email you when something matters. Log in whenever you are curious; the latest picture is always waiting.
Your first 30 days are free. After that it is $19.99 a month, and you can cancel any time.
See what’s affecting your credit in about two minutes
30 days free, then $19.99/month. Cancel anytime. Checking never affects your score.
Start my 30 free days