Pull your report
Verify your identity and get your full Equifax report in about two minutes.
Soft pull. No score impactYour credit score, finally under your control.
Bivo pulls your Equifax report with a soft check, explains every factor in plain English, and builds you a personalized plan to hit your credit goals. Completely free.
Soft pull only. Checking never affects your score.No credit card.
Good morning, Jasmine
Here's where your credit stands today.
Credit score
300Good
300850
Payment
100%
Utilization
36%
Credit age
68%
Next best action
Lower revolving utilization
Your reported utilization is 36%. Paying balances below 30% can improve score resilience.
1 of 4
Open plan
Recent activity
- Score increased +3Now 727Today
- Balance updatedChase ····48211d
- On-time payment reportedStudent loan2d
- 256-bit encryption
- Soft pull. No score impact
- You control your data
- 2-minute setup
- Free. No credit card
How it works
Three steps to better credit
No complicated forms or hidden costs. Just a soft pull, a personalized plan, and a score you can watch improve.
Get your plan
Bivo turns your report into clear, ranked steps, ordered by what moves your score most.
Ranked by score impact
Watch it climb
Work the plan, ask Bivo anything along the way, and track your score month over month.
Progress you can measureFeatures
Everything you need to build credit confidence
Your full credit picture, personalized guidance, and AI-powered insights, all in one place.
Your full credit picture
Your real Equifax report, with every account, balance, and score factor decoded in one clear view.
Live from your report
via
- New hard inquiryCapital One2h ago
- Score increased +3Now 708Today
- Balance updatedChase ····48211d ago
- On-time payment reportedStudent loan2d ago
Your exact action plan
Ranked, personalized steps with estimated score impact built from your actual data.
Projected score+46 pts potential
689735
- 1Pay Chase card below 30%+12 pts
- 2Request credit limit increase+15 pts
- 3Dispute inquiry from 3/15+8 pts
- 4Add as authorized user+11 pts
AI credit advisor
Ask anything about your credit in plain English and get instant, personalized answers.
Ask about your credit…
Track your progress
Watch your score climb as you complete your plan and see how each action moves the needle.
+160 pts
six-month climb
4 of 4
plan steps done
100%
on-time payments
Clear guidance. Real progress.
See how a personalized plan can turn credit questions into clear, practical next steps.
558712+154 pts
“After getting denied for a car loan, I had no idea where to start. Bivo showed me which cards to focus on first and what to do each month. It felt like having a credit coach in my pocket.”
Jasmine
Sarah
“I knew I wanted to buy a home, but I did not know what was holding my credit back. Seeing the factors in one place and having a step-by-step plan made the next six months feel manageable.”
580740
Marcus
“Credit advice usually leaves me with more questions. The Bivo advisor explained each factor in plain English, then told me what to work on next and why it mattered.”
620710
Emily
“I spotted a hard inquiry I did not recognize while reviewing my report. Bivo made it easy to understand what I was looking at and what steps I could take next.”
540680
Sarah
“I knew I wanted to buy a home, but I did not know what was holding my credit back. Seeing the factors in one place and having a step-by-step plan made the next six months feel manageable.”
580740
Marcus
“Credit advice usually leaves me with more questions. The Bivo advisor explained each factor in plain English, then told me what to work on next and why it mattered.”
620710
Emily
“I spotted a hard inquiry I did not recognize while reviewing my report. Bivo made it easy to understand what I was looking at and what steps I could take next.”
540680
The Dashboard
See your credit in a whole new way
A complete dashboard for your credit health, including scores, factors, alerts, and AI-powered guidance, all in one place.
meetbivo.app
B
Credit Score
746
+12 pts this week
Payment
95%
Utilization
36%
Credit age
68%
Accounts
12
Inquiries
2
Derogatory
0
256-bit encryptionInstant alertsAlways free
Frequently asked questions
Everything you need to know about Bivo.
Ready to take control of your credit?
No credit card required. No impact on your score. Get your report and personalized plan in under 2 minutes.
Free to get startedNo credit cardNo impact on your score
+47 pts
in her first 6 months