Know Your Score.
Own Your
Financial Future.
Seven tools that show you exactly what's hurting your credit, exactly how to fix it, and whether someone's trying to steal your identity — all in one dashboard.
Raise Your Score Before You
Need It.
Your credit score is a snapshot in time — and the timing of that snapshot matters. ScoreBoost® shows you how to pay down your revolving balances and show a lower utilization rate to the bureaus, which will raise your score in days, not months. No new accounts. No tricks. Just smarter timing.
- ✓Targets utilization — the #2 factor in your credit score
- ✓See the estimated score impact before you commit
- ✓Works in days, not months — ideal before applying for a loan
- ✓No hard inquiry, no new accounts, no gimmicks
- ✓Nobody else offers this — exclusive to CreditArmor
Stop Guessing. Start
Building.
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 the impact they'll have on your score, in the order you should do them.
- ✓Analyzes your credit file across all three bureaus
- ✓Prioritizes actions by the score impact they'll actually have
- ✓Updates your plan dynamically as your file changes
- ✓Tracks your progress toward your target score, week by week
- ✓Built for people who've been told to 'just pay your bills' and want more
Your Score.
Every Day.
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. If something drops, you'll know in hours, not weeks.
- ✓Daily score updates — not weekly, not monthly
- ✓Alerts when your score moves up or down significantly
- ✓Historical graph shows your score trend over time
- ✓See which factor changed and by how much
- ✓Connects to ScoreBuilder so you track plan progress in real time
Your TU Report
+ Daily Transactions.
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 is reporting your balance, catch errors before they cost you points, and spot discrepancies the moment they appear.
- ✓Your TransUnion credit report, updated continuously
- ✓Daily transaction monitoring alongside report data
- ✓Verify how each creditor is reporting balances and payment history
- ✓Catch reporting errors before they drop your score
- ✓Flag discrepancies and send directly to Dispute Armor for action
All Your Accounts.
One Clear View.
Credit doesn't exist in a vacuum. What you spend, how you save, and how much debt you're carrying all affect your score and your financial future. Money Manager connects all your bank and credit accounts in one dashboard so you can see the full picture — and make decisions with actual data.
- ✓Connect checking, savings, and credit accounts in one place
- ✓Track spending by category to spot where your money actually goes
- ✓Monitor debt-to-income ratio and total outstanding balances
- ✓See which accounts are helping or hurting your credit profile
- ✓Get alerts on unusual charges or large transactions
Your Data Is Out There.
Get It Back.
Data broker sites like Spokeo, WhitePages, and BeenVerified sell your name, address, phone number, relatives, and employment history to anyone who pays for it. That's how scammers find you. PrivacyMaster® scans hundreds of these sites and submits removal requests on your behalf — and keeps scanning so new listings get taken down too.
- ✓Scans 200+ data broker and people-search sites
- ✓Submits removal requests automatically — no manual work from you
- ✓Re-scans continuously because brokers re-list removed data
- ✓Reduces your exposure to phishing, scams, and targeted fraud
- ✓Covers name, address, phone, relatives, email, and more
If Your Identity Gets Stolen,
You're Covered.
The average identity theft victim spends $1,100 out of pocket and 200 hours resolving the fallout — and that's 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 when something goes wrong.
- ✓$1,000,000 in coverage per policy for your entire household
- ✓Zero deductible — you pay nothing out of pocket when you file a claim
- ✓Covers fraudulent accounts opened in your name
- ✓Covers legal fees, lost wages, and stolen funds
- ✓Activation takes under 2 minutes — included in both plans at no extra cost
Everything Above Protects You. Everything Below Fixes You.
AI Disputes Built From Your Actual File.
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. Real disputes that credit repair attorneys actually use.
- ✓AI reads your credit file and identifies all disputable items
- ✓Generates customized letters based on your specific situation — not templates
- ✓Covers collections, late payments, charge-offs, hard inquiries, and more
- ✓Tracks dispute status and updates you when bureaus respond
- ✓Attorney-backed escalation available if bureaus don't respond
Two Plans. Zero Confusion.
Start with protection and monitoring. Upgrade when you're ready to build and dispute.
- ✓ScoreBoost® — Utilization optimizer
- ✓Score Tracker — Daily updates
- ✓Smart Credit Report®
- ✓Money Manager — All accounts
- ✓PrivacyMaster® — Data broker removal
- ✓$1M Identity Fraud Insurance
- ✓ScoreBuilder — 120-day action plan
- ✓Everything in Protect Plan
- ✓ScoreBuilder — 120-day action plan
- ✓Dispute Armor — AI dispute letters
- ✓Full 3-Bureau Credit Report
- ✓Unlimited credit actions
- ✓Attorney-backed dispute escalation