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Protect. Grow.

Most tools stop at a score. ScoreZen keeps credit monitoring, AI guidance, identity protection, and budgeting in one account, so the next step you see is based on your whole financial picture instead of a single number.

Sign up with your email or Google account, confirm a few identity details, and your report and score appear within a couple of minutes. The free plan needs no card, so you can look around before choosing anything.

Yes. The ScoreZen app covers everything the web app does — score, alerts, insights, and budgeting — and your account stays in sync wherever you sign in.

We are a U.S. company with a U.S.-based support team. Reach us at hello@ScoreZen.com or 656-265-0935, or send a note from the contact form below.

No. Create your account and use the free plan without entering any card details. Add a payment method only when you decide to upgrade, and cancel a paid plan whenever you like.

Experian, Equifax, and TransUnion each keep their own file, and a new account or an error often lands on one report well before the others. Watching all three means you catch the change while you can still act on it.

Upgrade, downgrade, or cancel from your account settings at any time. Changes apply from your next billing date, and you keep the paid features until the period you already paid for runs out.

All major credit and debit cards. Payments run through our processor, so your full card number never touches our servers, and every charge shows up on the billing page in your account.

Your data moves over 256-bit SSL and is stored encrypted, with access limited to the systems that need it. We do not sell your personal information, and you can disconnect a linked account or close your profile at any time.

Yes. Paid plans watch data breaches and dark-web dumps for your personal details and alert you when something turns up, with guided steps to lock the account down and report the fraud.

No. We do not sell your personal information or hand it to advertisers. It is used to run the features you have turned on — nothing else — and the Privacy Policy spells out exactly what that covers.

You can close your account from settings whenever you want. Monitoring stops straight away and your personal data is deleted, apart from the records we are legally required to keep.

We show what is holding your score back — reporting errors to dispute, balances to bring down, history to build — and walk you through each step. Every credit file is different, so results vary and no service can promise a specific score.

No. The score and report you see here come from a soft inquiry. Only you can see it, and it never affects your credit — unlike the hard inquiry a lender runs when you apply for new credit.

Reports refresh every 30 days on most plans, and paid plans pull all three bureaus on that cycle. Between refreshes you still get an alert whenever a bureau reports a change on your file.

Scores and reports come straight from the bureaus, and linked bank and card accounts sync directly with your institution, so balances and transactions stay current. If a bureau has something wrong on file, we help you dispute it.