Most credit apps show you a number. Credit Ivory shows you the number, the reason, and the move — plus protection around it all.
Experian, Equifax, and TransUnion in one dashboard — refreshed every day, not weekly. The moment something changes, you know.
See the cards and loans you're actually pre-qualified for — matched to your profile, with no hard inquiries and no hit to your score.
Know exactly what's holding your score back and what to do next — personalized to your report, not generic tips.
New accounts, hard inquiries, balance changes, and score swings — the instant they hit your report.
We watch for your information on the dark web and flag suspicious activity before it becomes a problem.
See what happens to your score before you act — pay down a card, open an account, or dispute an error.
A quick, secure ID and selfie check — stronger than the security questions the bureaus use. So no one can open your profile but you.
We pull your full three-bureau profile in minutes. Nothing to scan, nothing to upload.
Daily monitoring, clear guidance, and offers matched to you — all in one place, all yours.
The free apps sell your attention. We're built as a premium, private service that works for you.
| Free score apps | Credit Ivory | |
|---|---|---|
| Bureaus covered | Often 1–2 | All 3, daily |
| Update frequency | Weekly | Every day |
| Pre-qualified offers (soft pull) | ✓ | ✓ ranked to fit you |
| Identity + dark-web protection | Limited | Included |
| Personalized dispute letters | ✗ | ✓ on Elite |
| Rent & bill reporting (build credit) | Rare | ✓ on Elite |
| Fraud-proof sign-up (ID + live selfie) | ✗ | ✓ |
| Sells your data to advertisers | Often ✓ | Never |
| You own your credit history | ✗ | ✓ always yours |
The Fair Credit Reporting Act gives you the right to dispute inaccurate information. Credit Ivory finds the errors and generates personalized dispute letters — you review, you send, you stay in control.
We scan all three of your reports for inaccuracies, outdated items, and cross-bureau inconsistencies worth disputing.
Not generic templates — each letter cites the exact section of the FCRA and the specific issue on your report, for a stronger case.
Follow each dispute from sent to resolved, with reminders and next steps so nothing slips through the cracks.
You review and send every letter — you're always in control, exercising your own right under the FCRA. Results are not guaranteed; accurate information generally cannot be removed.
Your credit file is some of the most sensitive data you own. We treat it that way — with the same defenses a financial institution uses, and identity verification that actually stops fraud.
We believe you should know exactly how a company that handles your credit stays in business. No hidden games.
We never sell your personal information. Period.
"Finally an app that tells me WHY my score moved and what to actually do about it."
"Got pre-approved for a card I never thought I'd qualify for — no hit to my score."
"The security gave me peace of mind. It actually feels like a bank, not a random app."
↑ Replace these with real customer reviews once you have them (not made up).
Start free — upgrade whenever you want. Cancel anytime.
Start free — no card required · upgrade anytime · cancel anytime. Checking your own credit never affects your score.
No. Viewing your own credit and your pre-qualified offers uses a "soft" inquiry, which never affects your score. Only a formal application (a "hard" inquiry) can, and that only happens if you choose to apply.
We use bank-level encryption in transit and at rest, store your most sensitive data (like your SSN) in isolated, tokenized vaults, and verify your identity with a live ID + selfie check so no one can open your profile but you. We never sell your personal information.
All three nationwide bureaus — Experian, Equifax, and TransUnion — updated every day, so you catch changes fast.
Yes. Credit Ivory scans all three of your reports for inaccuracies and generates personalized dispute letters that cite the specific issue and the relevant section of the Fair Credit Reporting Act. You review and send them, and we help you track each dispute. Results depend on the bureaus and your situation — accurate information generally can't be removed.
Yes. We match you to cards and loans you're pre-qualified for using soft inquiries, so browsing offers won't touch your score. Pre-qualification isn't a guarantee — each lender applies its own criteria — but it's a much stronger signal than applying blind.
Essential is free forever — no credit card required. Premium ($19.99/mo) adds daily monitoring, identity protection, and $1M insurance, and Elite ($29.99/mo) adds the dispute tool plus rent & bill reporting to build credit. You can cancel anytime in one click.
Never. Your data is yours. We make money from your membership and, when you choose an offer that works out, from the lender — never by selling your personal information.
The Credit Ivory app for iPhone and Android is on the way — monitoring and alerts wherever you are.
Join Credit Ivory and take command — with the clarity, the offers, and the security you deserve.
Get started free