ExampleYour snapshot

724Good

VantageScore® 4.0 from Equifax. Lenders may use different scores.

Payment history: All on time
Credit utilization: 36% of limits
Inquiries: 1 in the last year

Soft pull only. Checking never affects your score.
Bivo explains every factor on your Equifax report in plain English.
Your free plan puts the steps that help most first.

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Bivo is a free credit-insights service provided by Aurora Technologies Group. Bivo is not a lender, credit bureau, credit repair organization, law firm, or financial advisor, and does not make credit decisions. Bivo's guidance is for educational purposes only and is not financial, legal, or tax advice.

Checking your credit with Bivo uses soft inquiries, which do not affect your credit score. Prequalification is not an offer of credit and not a guarantee of approval; final rates, terms, and approval are determined by the lender after a formal application, which may involve a hard credit inquiry.

Debt consolidation and other debt solutions are provided through third-party partners, each a separate service with its own terms and privacy policy. Bivo may receive compensation in connection with partner services. You are never obligated to use a partner service.