Bivo gets your Equifax report with a soft pull, explains every factor in plain English and builds you a personalized plan. It's free.
Soft pull only. Checking never affects your score. No credit card.
Your snapshot
Score 724, Good, on a scale of 300 to 850.
VantageScore® 4.0 from Equifax. Lenders may use different scores.
What's shaping it:
Your next step
Pay your cards down below 30%
Your cards are using 36% of their $10,000 total limit.
It takes five steps to get from sign-up to your plan, and Bivo checks your credit only once.
Your name, date of birth, address and SSN let Equifax find your file.
Bivo gets your Equifax report with a soft inquiry. It doesn't affect your score.
Bivo explains each factor that shapes your VantageScore 4.0 score.
Bivo ranks your next steps by estimated impact.
Estimated score impacts are illustrative projections, not promises or guarantees.
The Advisor uses AI to answer your questions from your report. Its answers are for education and aren't financial advice.
Your report is a snapshot from the day you pull it.
One soft pull gives you your full report, a plain-English explanation of every factor, a ranked plan and an Advisor that has read your report.
Each factor that shapes your score gets a plain-English explanation and a status.
36%. Your cards are using 36% of their limits. Getting under 30% helps.
Bivo orders your next steps by estimated impact.
Estimated score impacts are illustrative projections, not promises or guarantees.
Ask questions in plain English. The answers draw on your Equifax report.
You: What's hurting my score the most?
Bivo: It's your credit utilization. You're using 36% of your card limits, and lowering that is the first step in your plan.
You: Which card should I pay down first?
Bivo: Start with Card ····4821. It's at 46% of its limit, which is the highest of your cards. Getting it under 30% is a good first move.
Answers are written by AI and aren't financial advice.
See your accounts, balances and inquiries from Equifax in one place.
| Account | Type | Balance | Limit |
|---|---|---|---|
| Card ····4821 | Revolving | $1,840of $4,000 | $4,000 |
| Card ····1093 | Revolving | $1,760of $5,000 | $5,000 |
| Card ····7730 | Revolving | $0of $1,000 | $1,000 |
| Student loan | Installment | $18,900 | — |
1 inquiry in the last 12 months
The report shows the day you pulled it. It doesn't update on its own.
Here's what happens to your information after you sign up.
Checking your credit with Bivo uses soft inquiries, which don't affect your score. A hard inquiry can happen only later, if you formally apply for credit with a lender.
Privacy Policy, section 3Your full Social Security number is used once to retrieve your report and isn't stored. We keep only the last four digits.
Privacy Policy, section 1It's encrypted in transit (TLS) and protected with 256-bit encryption at rest. Access is restricted and logged.
Privacy Policy, section 6We don't sell your personal information or use your credit data for advertising.
Privacy Policy, sections 2 and 4Closing your account permanently deletes your credit reports, scores, plan and Advisor conversations from our production systems.
Privacy Policy, section 7Bivo may receive compensation in connection with partner services. You are never obligated to use a partner service.
Terms of Service, section 8These three examples are illustrations. They aren't real members, and results vary.
They want a clear picture before they talk to a lender. Bivo shows what's shaping their score and ranks the next steps by estimated impact.
Their cards are close to their limits. The plan starts with paying those balances down.
They have a few years of history. Bivo explains credit age and account mix, and what to do next.
Learn what prequalification means, how it differs from approval, and when a hard credit check can happen.
Prequalified does not mean approved yet.
Short answers about cost, your score and your data. The Terms and Privacy Policy have the full detail.
Yes. Bivo doesn't charge fees or require a payment method. Bivo may receive compensation in connection with partner services, and you're never obligated to use one.
No. Bivo uses a soft inquiry to get your Equifax report, and soft inquiries don't affect your score.
Bivo shows your VantageScore® 4.0 score from your Equifax report. Lenders may use different scores.
Bivo uses Equifax. It's one of the three major credit bureaus. You see your score, the factors behind it and your account history.
You need to be a US resident aged 18 or over, with a Social Security number. You confirm your email with a 6-digit code, enter your name, date of birth, address and SSN, and authorize a soft pull. Your report and plan are ready once the pull completes.
Ask in plain English about an account, what to pay first or how to prepare for a mortgage, and Bivo answers using details from your Equifax report. Answers are AI-generated, for education only, can contain errors, and aren't financial advice.
Your data is encrypted in transit and protected with 256-bit encryption at rest. Sensitive identity fields get extra safeguards, and access is tightly restricted. Your full SSN is used once and isn't stored. We keep the last four digits. We never sell your information.
Yes. Close your account in Settings to permanently delete your credit reports, scores, account history, plan and Advisor conversations from our production systems and revoke your authorization. Some records, like consent records, are kept where the law requires.
Bivo is free to use. Bivo may receive compensation in connection with partner services. That doesn't change the analysis Bivo shows you, and you're never obligated to use a partner service.
Bivo is a product of Aurora Technologies Group. Your credit data comes from Equifax through our licensed provider.
It's free, you don't need a credit card, and the soft pull never affects your score.