Choose the Plan That Fits Your Goals
All plans include rent reporting, credit-building tools, and financial wellness resources. First-month promotional pricing is available to eligible new members. Upgrade or downgrade anytime — your progress stays with you.
Not sure where to start?
Most members start with Credit Blooms Essential for $49/month.
This plan is for people who want to begin building real credit with eligible rent reporting, credit education, and a simple monthly credit-building plan.
Real credit-building steps. No shortcuts. Just results.
Start with Essential today and upgrade later if needed.
Start Essential — $49/monthHow Credit Blooms Works
Choose your membership plan.
Complete your onboarding form.
We review your information and eligible rent reporting details.
You receive next steps for your credit-building plan.
Stay active monthly as you build toward stronger credit goals.
Credit Blooms Essential
Build your credit foundation.
- Rent Reporting Enrollment Assistance
- Positive Payment Reporting
- Credit Education Library
- Monthly Credit Insights
- Financial Wellness Resources
- Goal Tracking Tools
- Standard Member Support
Consumers beginning their credit-building journey. Start reporting your rent payments and building positive history from day one.
Credit Blooms Growth
Build momentum toward your financial goals.
- Everything in Essential
- Up to 24 Months Past Rent History
- AI-Powered Credit Assistance
- Credit Monitoring Resources
- Personalized Credit Action Plans
- Homebuyer Readiness Resources
- Vehicle Financing Readiness Resources
- Priority Member Support
Members actively working to improve their credit and prepare for homeownership or vehicle financing. Includes up to 24 months of prior rent history reporting.
Credit Blooms Prosper
Prepare for bigger financial opportunities.
- Everything in Growth
- Advanced Credit Strategy Resources
- Quarterly Funding Readiness Assessment
- Homeownership Readiness Roadmap
- Business Credit Education Resources
- Premium Financial Wellness Content
- Priority VIP Support
- Exclusive Member Resources
Consumers preparing for homeownership, business growth, and major financing goals. Includes all features plus advanced strategy resources and VIP support.
First-month promotional pricing is available to eligible new members. Regular monthly membership pricing applies beginning with the next billing cycle. Credit Blooms provides rent reporting, credit education, and financial wellness resources. Credit Blooms does not guarantee credit score increases, funding approvals, loan approvals, deletions, or specific financial outcomes. Results vary based on each individual's credit profile, payment history, account activity, lender requirements, and other factors. You have 3 days from your membership start date to cancel and receive a full refund. See our Credit Disclaimer and Refund Policy for full details.
Important
Credit Blooms focuses on real credit-building through rent reporting, credit education, and financial wellness — not shortcuts or guaranteed approvals.
We help clients focus on real credit-building steps, eligible rent reporting, and credit education.
Have questions before joining?
DM "BLOOM" on Facebook or Instagram and we'll help you choose the best starting plan.
Everything Included, Plan by Plan
| Feature | Essential | Growth | Prosper |
|---|---|---|---|
| Rent Payment Reporting | ✓ | ✓ | ✓ |
| Credit Education Library | ✓ | ✓ | ✓ |
| Monthly Credit Insights | ✓ | ✓ | ✓ |
| Financial Wellness Resources | ✓ | ✓ | ✓ |
| Goal Tracking Tools | ✓ | ✓ | ✓ |
| AI-Powered Credit Assistance | — | ✓ | ✓ |
| Credit Monitoring Resources | — | ✓ | ✓ |
| Personalized Credit Action Plans | — | ✓ | ✓ |
| 24-Month Past Rent History | — | ✓ | ✓ |
| Funding Readiness Resources | — | ✓ | ✓ |
| Homebuyer Readiness Resources | — | ✓ | ✓ |
| Vehicle Financing Resources | — | ✓ | ✓ |
| Advanced Credit Strategy | — | — | ✓ |
| Quarterly Funding Assessment | — | — | ✓ |
| Homeownership Roadmap | — | — | ✓ |
| Business Credit Education | — | — | ✓ |
| Priority VIP Support | — | — | ✓ |
No Long-Term Contracts
Cancel anytime. Your reported history stays on your credit file even if you leave.
Upgrade Anytime
Start with Essential and upgrade as your goals grow. Your progress carries forward.
Reports to All 3 Bureaus
Every plan reports to Equifax, Experian, and TransUnion for maximum impact.
Frequently Asked Questions
Can I switch plans after signing up?▾
Yes! You can upgrade or downgrade your plan at any time. Your credit-building progress and reported payment history remain on your credit file regardless of plan changes.
Is there a money-back guarantee?▾
If you're not satisfied within the first 30 days, contact our support team for a full refund. We stand behind our service.
Do you offer annual billing?▾
Currently we offer monthly billing. Annual billing options with discounts are in development and will be available soon.
Which plan is best for me?▾
Essential is great for getting started. Growth is our most popular plan — ideal if you're actively working toward a specific financial goal like homeownership. Prosper is for those preparing for major financing milestones.
Ready to Choose Your Plan?
Start building your credit today with the plan that fits your goals.