YOUR DASHBOARD
Everything that affects your credit. All in one place.
See all the factors that shape your credit score, all in one place, with a clear status for each.
Credit Mix
See how your mix of credit accounts is impacting your score.
3 account types
GOOD
Credit Utilization
Track your overall usage and monitor every account individually.
Payment History
Stay on top of your payment record and spot issues as soon as they appear.
98% on-time payments
EXCELLENT
Credit Inquiries
View every hard inquiry and quickly identify anything unexpected.
Public Records
See collections and other public records without searching through your report.
Credit History
Understand how the age of your accounts contributes to your score.
Your Top Factors are highlighted separately, so you always know what's having the biggest impact on your credit.
Why monitor with CoolCredit
Catch errors early
Mistakes on your report can cost you. Spot them sooner, dispute them faster.
Detect identity theft
A new account or inquiry you don't recognize is often the first sign something's wrong.
Track your progress
See how your score and report shift as you work on your credit.
Stay loan ready
A healthy profile means better terms when you actually need one.
Avoid surprises
Know where you stand before it matters, applying for financing, renewing a lease, or anything else.
More than monitoring
Seeing a problem is only helpful if you can do something about it.
Whenever CoolCredit identifies an issue, you'll see a Fix Now action right alongside it. Whether it's high utilization, an unfamiliar inquiry, or another negative factor, you can take the next step directly from your dashboard.
Issue detected
Collection account flagged on your Equifax report
Dispute Initiated
Your letter is being drafted
Dispute letter sent
Bureau has 30 days to investigate and respond
Resolved
Item corrected and score updated
What Changed
4 New Activities
Your Credit utilization went from 28% to 37%.
Negative item removed from your credit score.
1 Overdue Payment reported in your credit report.
1 collection reported in your credit report.
Always current
Stay on top of every change
Your credit changes over time, and even small updates can affect your score. CoolCredit keeps you informed with a live view of new inquiries, account updates, recent activity, and other important changes, so you always know what's happening and can respond sooner.
Start with your free credit report
Fetch your first credit report at no cost and see exactly where your credit stands today. From there, you'll have the tools and guidance to take the next step.
