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Smart Credit Moves

Explore trusted tools and resources to help you build, monitor, and protect your credit — including credit reports, monitoring services, builder programs, and legal support. Everything you need to make smarter, stronger credit decisions, all in one place.

AnnualCreditReport.com

AnnualCreditReport.com

AnnualCreditReport.com

Access your free credit reports from all three major bureaus—Equifax, Experian, and TransUnion. While credit scores aren’t included, you can review your reports for accuracy.

Get free reports

Experian

AnnualCreditReport.com

AnnualCreditReport.com

One of the three major credit bureaus. Use Experian’s tools to monitor your credit score, dispute errors, and boost your score with on-time bill payments through Experian Boost.

monitor credit with experian

IdentityIQ

AnnualCreditReport.com

IdentityIQ

A comprehensive credit monitoring and identity theft protection service that gives you frequent credit score updates, fraud alerts, and dark web monitoring.

protect credit with idiq

Self

AnnualCreditReport.com

IdentityIQ

Build credit and savings at the same time through credit-builder loans. Self reports your payments to all three credit bureaus, helping you establish a positive payment history.

open credit builder

Credit Karma

FCRA Error Assistance

Chime Credit Builder

A free platform that lets you track your TransUnion and Equifax credit scores, get personalized tips, and monitor your credit activity without impacting your score.
Keep in mind: the scores shown may not match your FICO score, but the reports are typically accurate.

check credit karma

Chime Credit Builder

FCRA Error Assistance

Chime Credit Builder

A secured credit card with no annual fee or credit check that helps you build credit safely using your own money. Ideal for those new to credit or rebuilding.
Bonus: Set up a direct deposit using my referral link and we’ll both earn $100!

build with chime

FCRA Error Assistance

FCRA Error Assistance

FCRA Error Assistance

Need help with a credit reporting error that hasn’t been resolved? Submit your details so we can connect you with legal support to pursue your rights under the Fair Credit Reporting Act.

submit error for review

Disclaimer:

Some of the links on this page are affiliate links, which means I may earn a small commission if you choose to sign up—at no extra cost to you. I only recommend platforms I’ve personally used and genuinely believe in.

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