Personal Credit Improvement
- Who it's for
- Individuals with inaccurate, incomplete, obsolete, or unverifiable items on their reports.
- How it works
- We review your three-bureau reports, identify questionable items, and support the dispute process through structured monthly rounds.
- What's included
- Three-bureau credit report review
- Collection, late payment, and inquiry analysis
- Personalized dispute strategy
- Progress dashboard and updates
- What's not guaranteed
- We cannot guarantee removal of accurate information or a specific score increase.
- Your part
- Provide identification, credit reports, and timely responses to bureau/creditor mail.
Credit Building
- Who it's for
- Members ready to establish or rebuild positive credit history.
- How it works
- We recommend credit-builder tools, secured cards, and utilization strategies tailored to your profile.
- What's included
- Credit-builder product guidance
- Secured card recommendations
- Utilization coaching
- Payment history strategies
- What's not guaranteed
- Products are offered by independent issuers with their own approval criteria.
- Your part
- Open and maintain the recommended accounts responsibly.
Credit Monitoring
- Who it's for
- Anyone who wants ongoing visibility into their credit profile.
- How it works
- Integrate a three-bureau monitoring service and get alerts inside your Credit Now dashboard.
- What's included
- Three-bureau monitoring integration
- Score tracking chart
- Change alerts
- Educational insights
- What's not guaranteed
- Monitoring detects changes; it does not prevent identity theft or guarantee accuracy.
- Your part
- Connect your monitoring account during onboarding.
Personal Funding Preparation
- Who it's for
- Members preparing to apply for a home, auto, personal loan, or credit card.
- How it works
- We evaluate your funding readiness, help you strengthen key factors, and outline realistic next steps.
- What's included
- Funding readiness assessment
- Lender qualification guidance
- Application preparation
- Curated third-party offers
- What's not guaranteed
- Credit Now is not a lender and cannot guarantee approval, amount, or terms.
- Your part
- Provide accurate income, employment, and financial information.
Business Funding Preparation
- Who it's for
- Owners preparing for lines of credit, term loans, or working capital.
- How it works
- We review your business profile, revenue, and compliance items to help you present a stronger application.
- What's included
- Business readiness review
- Documentation checklist
- Lender introduction guidance
- Post-application coaching
- What's not guaranteed
- Approvals depend on third-party lender criteria we do not control.
- Your part
- Provide business bank statements, formation docs, and revenue records.
Business Formation & Business Credit
- Who it's for
- New and existing owners establishing a compliant business identity.
- How it works
- We support LLC/corporation setup, EIN, compliance, and initial business credit profile building.
- What's included
- LLC or corporation support
- EIN guidance
- Business compliance checklist
- Business credit profile setup
- What's not guaranteed
- We do not provide legal or tax advice; consult a licensed professional.
- Your part
- Provide accurate owner and entity information.
Financial Education
- Who it's for
- Every Credit Now member.
- How it works
- Access a growing library of articles, guides, and an AI-powered educational assistant.
- What's included
- Credit Score Guide
- Improvement articles
- Funding readiness content
- Live member webinars
- What's not guaranteed
- Educational content is not personalized legal, tax, or financial advice.
- Your part
- Engage with recommended content and ask questions.
Credit Now provides credit education and credit improvement support. We cannot guarantee the removal of accurate information, a specific score increase, financing approval, funding amount, interest rate, or completion timeline. Individual results vary.
Ready to see what's possible?
Start with a free credit assessment — no obligation, no hidden fees.