Most credit apps give you a score and nothing else. CreditArmor gives you the tools to act on it — and understand exactly what's moving it and why.
Optimize your credit utilization to raise your score before a big decision.
→A personalized 120-day action plan that tells you exactly what to do and in what order.
→Daily score updates from TransUnion — see changes in real time, not 30 days later.
→Your full credit report plus daily bank transactions — see exactly how creditors report you.
→Connect all your financial accounts in one view to spot what's dragging your score.
→Scan data broker sites and remove your personal info to cut off identity thieves at the source.
→Whole-family coverage, zero deductible. Covers legal fees, stolen funds, lost wages.
→ Build PlanAI-generated dispute letters built from your actual credit file — not generic templates.
→Most people know their score is low — they just don't know what to do about it. ScoreBuilder analyzes your full credit file and generates a prioritized 120-day action plan. Not generic advice. Specific actions ranked by impact, in the order you should do them.
Waiting 30 days to find out if your credit moved is not a strategy. Score Tracker gives you daily score updates from TransUnion so you see changes the moment they happen — and know exactly what caused them.
A standard credit report tells you what creditors have reported. Smart Credit Report® goes further — pairing your TransUnion data with daily bank transactions so you can see exactly how each creditor reports your balance and catch errors before they cost you points.
Credit doesn't exist in a vacuum. What you spend, how you save, and how much debt you carry all affect your score. Money Manager connects every bank and credit account in one dashboard so you can make decisions with actual data.
Data broker sites sell your name, address, phone number, relatives, and employment history to anyone who pays. That's how scammers find you. PrivacyMaster® scans hundreds of these sites and submits removal requests on your behalf — then keeps scanning so new listings get taken down too.
The average identity theft victim spends $1,100 out of pocket and 200 hours resolving the fallout — before the credit damage. CreditArmor's $1 Million Identity Fraud Insurance covers your whole family, with zero deductible, so you're not the one absorbing the cost.
Generic dispute letters don't work. Dispute Armor reads your actual credit file, identifies the specific items that can be challenged under the FCRA, and generates dispute letters written around your unique situation. No templates. No guesswork.
Every tool is included in both plans. The Build Plan adds Dispute Armor — AI-powered credit repair.