Your score and full report
Updated monthly, with every account, balance and inquiry explained.
For anyone who's heard no
Find out what's holding your credit back
A declined application usually comes down to a handful of things in your credit file. CreditCovero shows you what lenders see, explains it in plain English, and gives you a plan for your next try.
7-day free trial, then a month. Cancel in one step from your dashboard.
Free trial, then a monthly membership. Cancel in one step from your dashboard.
How it works
- Connect your credit fileChecking your own credit through us doesn't affect your score.
- See what lenders seeYour score, your report and the factors that weigh on a decision.
- Follow your planThe moves most likely to help, in order, and a clear sense of when to apply again.
Everything in one place
One membership covers your credit picture, your plan and the protection around it.
What lenders see
The factors that count for and against you, flagged the way an underwriter would read them.
A plan ranked by impact
Clear actions with the biggest likely effect first, so you know where to start.
Your loan journey
See which stage you're at and how many points stand between you and the next one.
Credit alerts
Hear about new inquiries, new accounts and other changes to your file as they happen.
Identity protection
Monitoring and help if someone tries to use your identity.
The playbook
Five plays that work for most people rebuilding toward a yes. Free to read, whether or not you join.
01
Read the scoreboard
Get your reports and learn what's actually in them.
02Build the record
On-time payments and low balances, month after month.
03Try a different door
Credit unions, secured cards and credit-builder loans.
04Count what you already pay
Rent and bills can add to your file.
05Fix what's wrong
Disputing errors is your right, and it's free.
Read all five
Each play explains what to do, why it works and what to avoid.
Open the playbookOne simple membership
- Free for the first 7 daysTry everything. Cancel during the trial and you pay nothing.
- A $1 card check, released straight awayWe place a small hold to confirm your card, then release it.
- Cancel in one stepFrom Settings in your dashboard. No phone call, no questions you have to answer.
Why we built CreditCovero
Most people who get a "no" never find out why. The letter lists a few short reasons, applying again straight away usually brings the same answer, and every new application can leave another mark on your file.
We think the time between a no and your next application should be spent knowing exactly where you stand and doing the few things that matter most.
What we'll never do
Promise a score increase, tell you we can remove accurate information, or say you've been approved for something you haven't. We show you the facts and the moves; the results come from what you do with them.
From the journal
Plain-English pieces on how credit decisions actually work.
Why lenders say no, and what the letter is telling you
The reasons on a decline notice are a map. Here's how to read it.
Hard and soft inquiries: what actually affects your score
Checking your own credit is harmless. Applying isn't always.
Secured cards and credit-builder loans, side by side
Two ways to build a record when nobody will lend to you yet.
Questions
Will checking my credit with CreditCovero lower my score?
No. Looking at your own credit is a soft inquiry. Soft inquiries don't affect your score and lenders don't see them.
Is this credit repair?
No. We don't contact the credit bureaus for you or remove anything from your report. We show you what's there, explain it, and point out anything that looks wrong so you can dispute it yourself for free.
How does the free trial work?
You add a card when you join and we place a $1 hold to confirm it, which we release straight away. Your trial runs for 7 days. If you don't cancel, your membership starts at the end of the trial and renews monthly. We email you before the trial ends.
How do I cancel?
Go to Settings in your dashboard and choose Cancel membership. It takes one step. Cancel in the trial and you won't be charged; cancel later and you keep access until the end of the month you've paid for.
Can you get me approved for a loan?
No, and nobody honest can promise that. We're not a lender and we don't make credit decisions. We help you understand your credit and decide when it makes sense to apply again.
Who sees my information?
Only the companies we need to run the service, such as our credit data provider and payment processor. If a partner sent you to us, we tell them you joined, never what's in your credit file. The privacy policy has the full list.