Solid Credit

Solid Credit puts your full credit picture in one app — reports and scores from all three bureaus, a personalized plan built from your own reports, and tools that turn payments you already make into credit history. SEE YOUR CREDIT CLEARLY • Credit reports and scores from Equifax, TransUnion, and Experian • Insights from every line of your reports — hard inquiries and when they leave, utilization that's weighing on your scores, items that look wrong • Checking your credit with Solid never affects your scores KNOW EXACTLY WHAT TO DO NEXT • A personalized action plan built from your own reports, step by step • Each step shows what it involves and roughly how long it takes • Dispute help for items on your reports that look wrong — you review and approve everything before anything is sent YOUR CREDIT COACH, ALWAYS ON • Ask Solid, an AI credit coach that knows your reports — answers come from your own accounts, not generic advice • Built by credit experts BUILD BETTER CREDIT • Credit Builder: a line of credit designed to help you build payment history — no deposit required* • Rent and bill reporting: get credit for the rent, phone, and utility payments you're already making — no new debt and no hard credit pulls† • Credit Builder members have seen an average +31-point score change within 6 months* WE KEEP WATCH. YOU KEEP MOVING. • Credit monitoring across your reports • Alerts when something changes — and what it means for you PROTECT WHAT YOU'RE BUILDING • Allstate® Identity Protection with hands-on, full-service restoration support • Up to $1M reimbursement for identity theft expenses and stolen funds‡ • Dark web monitoring with alerts when your information turns up Your data stays yours: Solid Credit doesn't sell your data or show you ads. *Results based on aggregate program performance of Credit Builder users active over their first six months of service. Scores based on the Equifax VantageScore® 4.0 model, one of many credit scoring models, which may not be the same model all lenders use. Credit scores depend on various factors, including payment history, delinquencies, credit utilization, length of credit history, types of credit, number of accounts, inquiries, and other financial activities. Individual results may vary. Credit score increase not guaranteed. †Credit Builder line amount by Solid Credit plan: Entry $1,000, Plus $2,500, Premium $5,000. Your line pays your monthly Solid Credit subscription, and your repayments are reported as payment history. Credit Builder requires a separate application and is subject to approval by Cross River Bank. Solid Credit does not make credit decisions, and approval is not guaranteed. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors including your activity with other financial services organizations. Solid Credit partners with Upward Financial to offer the Credit Builder. Upward Financial is a financial technology provider, not a bank. Line of credit issued by Cross River Bank, Member FDIC. Line of credit is not a deposit product. ‡Rent and bill reporting is provided by Solid Credit, not by Upward Financial or Cross River Bank, and is separate from Credit Builder. No credit application is required. Only the payments you add are reported; bureaus and bill types reported may vary. Credit impact may vary. §Identity theft insurance covering expense and stolen funds reimbursement is underwritten by American Bankers Insurance Company of Florida, an Assurant company. The description herein is a summary and intended for information purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.