Why Your Credit Score Matters Today

Your credit score impacts everything from loan approvals to interest rates and even your ability to rent an apartment. Yet juggling multiple bank logins, investment accounts, and credit reports makes it hard to spot issues as soon as they arise. Late payments, unexpected inquiries, or fraud can drag down your score before you even know there’s a problem.

Introducing Refresh: Real-Time Credit Score Monitoring & Alerts

Refresh brings all your financial data—bank balances, transactions, investments, and credit—into one secure dashboard. With integrations to over 12,000 institutions, you’ll see your entire financial landscape at a glance. Most importantly, Refresh offers real-time credit score tracking and instant alerts whenever a change occurs.

• Daily 3-bureau updates from TransUnion, Experian, and Equifax
• Instant notifications for new accounts, hard inquiries, or balance shifts
• Monthly credit report and score refreshes directly from Equifax

Stay Ahead with Spending Insights

Unexpected expenses can knock your financial plans off-course and even affect your credit score if they lead to overdrafts or missed payments. Refresh analyzes your transactions in real time, alerts you when you’re spending more than usual, and categorizes every purchase so you keep your goals on track.

Investment Tracking for a Complete View

Knowing how your investments perform is key to building wealth, but scattered statements and different platforms make it tough. Connect your brokerage and retirement accounts to see historical performance, asset allocation, and portfolio growth alongside your credit information—no more guesswork.

Comprehensive Identity Theft Protection

When it comes to safeguarding your credit score, identity theft is your biggest threat. Refresh offers $1 million in identity theft insurance, white-glove restoration services, and 24/7 monitoring of your personal details on data-broker websites. If thieves try to open fraudulent accounts or misuse your Social Security number, you’ll be the first to know.

Privacy Management—Stop Data Brokers in Their Tracks

Your phone number, address, and other personal details are often listed on dozens of public broker sites. Refresh continuously scans these databases and removes your data automatically, so you reduce spam, marketing calls, and the risk of unauthorized inquiries that could hurt your credit score.

All-in-One Plans for Individuals, Couples & Families

Whether you’re flying solo, managing finances with a partner, or protecting an entire household, Refresh has a plan for you:

• Individual: $12/mo billed annually (or $20/mo monthly)
• Couple: $22/mo billed annually (or $35/mo monthly)
• Family: $32/mo billed annually (or $65/mo monthly)

Every plan includes credit monitoring, identity theft protection, privacy management, transaction alerts, investment tracking, and smart AI insights.