Pricing
Choose A Plan That Works Best for You
Get your 3 Credit Grades and Much in one Application. Triple bureaus, triple protection, triple savings, only with our affordable plans.
Basic
$17.95/mo
3-Bureau Credit Grade & Report
3-Bureau Credit Monitoring
Score Tracker
Score Factors
Score Simulator
3-Bureau Score Sight
$1M ID Theft Insurance
Dark Web Monitoring
Change of Address Monitoring
SSN Monitoring
Premium
$22.95/mo
3-Bureau Credit Grade & Report
3-Bureau Credit Monitoring
Score Tracker
Score Factors
Score Simulator
3-Bureau Score Sight
$1M ID Theft Insurance
Dark Web Monitoring
Change of Address Monitoring
SSN Monitoring
Features
Stay on top of your Credit with your information being protected all the time.
3 Credit Grades
Knowing all three of your credit grades from TransUnion, Equifax, and Experian keeps you informed of where your credit stands.
24/7 Credit monitoring
We know you’re a busy person, that’s why we monitor your credit for you. We watch for any changes to your scores or reports 24/7 so you don’t have to.
Unlimited Access to your Credit Reports & Scores
Have unlimited access to your Credit Scores anytime, anywhere you want.
3 Credit Reports
Unlike other companies, we work together with TransUnion, Equifax, and Experian to get you all three of your credit reports
Credit Alert for Profile Changes
Whenever we notice a change in your credit scores or reports, we will notify you through our member site. Log in at any moment to check for potential credit alerts.
Protected Information
We are committed to providing you with what’s best. That’s why we commit to protecting your information.
Be a Member To Get Started
Staying on Top of Your Credit Should be your priority in achieving Financial Independence.
Frequently Asked Questions
FAQ’s
How is my credit grade calculated?
Credit grading generally looks at how late your payments were, how much was owed, how recently, and how often you missed a payment. This grading is calculated by a mathematical equation that evaluates many sorts of data points (score factors) from your credit report at that exact credit-reporting agency. There are five specific factors that come in how your score is calculated.
- Payment History reflects whether or not you create payments on time on each of your accounts.
- Credit Utilization covers the available credit you’ve used. If possible, keep on with 30% or less of your total available credit.
- Credit Age shows how long you’ve had credit, and how old each of your accounts is.
- Credit Mix covers the types of revolving and fixed-payment credit accounts you hold.
- Credit Inquiries illustrate how many times you’ve applied for a brand new credit in the last few months or years. New credit applications make up 10% of your credit score.
How is my credit grade used?
Credit grade (credit score) is one of the main tools creditors, employers, insurance and finance companies rely on to determine your creditworthiness. Your grade is a quick snapshot that is often used when credit decisions are made quickly. Creditors may also obtain your full credit report (card), to access more detailed information to aid their decision on your level of risk.
What is Uptrend Credit?
Uptrend Credit is an innovative platform that provides credit reporting services in a user-friendly and easy-to-understand format. Uptrend Credit uses the school system as a guide in its credit reporting services.
What is a credit grade?
A credit grade summarises your entire credit report information into a letter depending on what credit score you have got. For example, an ‘A’ credit grade refers to having a high/very good credit score and an ‘F’ grade refers to a poor credit score. By comparing this information to the patterns in thousands of past credit reports, credit grading identifies your level of credit risk. Your grade tells a lender how likely you are to repay a loan, or make credit payments on time. Having an A grade, the better chance you have of getting the credit you apply for.
How to obtain my credit report card?
To acquire daily monitoring of your credit report that you are entitled to under federal law, you must go to monitoring.uptrendcredit.com. At this website address, you can get your credit report from all three credit reporting agencies – Experian, Equifax, and TransUnion. Our service makes your personal report available online 24/7. You have peace of mind from knowing that your credit records are being monitored daily. If any irregular account activity is detected, we’ll notify you promptly.