CreditUp Club
- Company typePrivate
- Founded2012
- HeadquartersSan Antonio, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
CreditUp Club firmographics
Firmographics- Name
- CreditUp Club
- Website
- https://creditupclub.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
CreditUp Club industry classification
Industry- Product category
- Credit Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Fee-Only Advisory (FSAEAAAL)
Keywords
Where CreditUp Club is headquartered
LocationHeadquarters
- HQ city
- San Antonio
- HQ country
- United States
- HQ region
- North America
Markets served
CreditUp Club business model
Business model- GTM type
- B2C
- Offering type
- Services
Revenue model
- Credit Monitoring Subscription: Revenue generated from preferred credit monitoring partner subscriptions. Customers pay $29.99 to $39.99 monthly for credit monitoring, which enables the system to access updated credit reports and track changes throughout the repair process.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | DIY AI-Powered System - $36/month |
| Subscription | Monthly | Full Service - $96/month |
| Subscription | Monthly | Credit Monitoring - $29.99-$39.99/month |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels4 records
CreditUp Club product offering
Product offeringCore offering
No source-backed description of the company's core offering is available in the provided input.
Product overview
CreditUp Club offers a tiered credit repair service with an AI-powered DIY system as the core product at $36/month, supplemented by an expert-managed Full Service option at $96/month ($36 + $60). The Credit Maximizer tool enables users to identify errors on credit reports and generate dispute letters, while the Free Credit Analysis provides an initial assessment. Additional services include printed and mailed dispute letters for enhanced effectiveness. The platform helps users challenge inaccurate items including late payments, collections, charge-offs, repossessions, bankruptcies, and fraudulent activity across all three major credit bureaus.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 47% increase in house values since 2020 missed by those with bad credit
- +4 more outcomes
Companies that use CreditUp Club
Customer profileSegments2 records
CreditUp Club technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
CreditUp Club partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights3 records
CreditUp Club competitors and assessment
Company assessmentBroad incumbents
- Credit Karma: Owned by Intuit, Credit Karma offers free credit scores, monitoring, and increasingly AI-driven credit improvement tools to a mass-market US consumer base. It is the dominant free alternative in CreditUp Club's target segment and sets the pricing benchmark for the category.
- Experian Boost: Free bureau-affiliated tool that boosts FICO scores using utility and telecom payment data. A well-capitalized, free alternative that competes for CreditUp Club's DIY-improvement use cases.
Direct peers
- Lexington Law: One of the largest traditional credit repair firms in the US, offering subscription-based credit repair services that challenge inaccurate items across the bureaus. Directly comparable to CreditUp Club's Full Service tier in pricing model and customer segment.
- Sky Blue Credit: Established subscription-based credit repair service with tiered DIY and full-service offerings, unlimited disputes, and a 90-day money-back guarantee. Closely mirrors CreditUp Club's product structure, pricing, and target persona.
- Credit Saint: Subscription credit repair service with tiered plans, dispute-letter generation, and creditor/bureau challenges targeting the same subprime consumer segment. A direct competitor on price, feature set, and customer profile.
- The Credit Pros: Credit repair and credit-building subscription service combining AI-driven score tracking with human-assisted dispute management. Comparable to CreditUp Club's hybrid DIY-plus-expert offering.
Emerging players
- Credit Sesame: Free credit score and monitoring platform with premium credit-improvement tools and financial product recommendations. Competes with CreditUp Club for the same consumer segment at the free/low-price end of the market.
- Self Financial: Credit-building fintech offering a small secured installment loan that helps subprime consumers establish positive payment history. Targets an adjacent — but partially overlapping — subprime consumer credit improvement need.
- MoneyLion: Consumer fintech platform offering credit monitoring, credit-builder loans, and financial content to subprime and near-prime consumers. Overlaps with CreditUp Club's audience and credit-improvement value proposition.
Others
- ID Watchdog: Identity and credit monitoring subscription service (Equifax-owned) offering credit reports, score tracking, and identity-theft protection. Adjacent to CreditUp Club via the bundled monitoring component of its product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
CreditUp Club social profiles
Digital presenceCreditUp Club financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreditUp Club leadership team
Management profileNumber of profiles
CreditUp Club funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreditUp Club M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CreditUp Club
What does CreditUp Club do?
No source-backed description of the company's core offering is available in the provided input.
Is CreditUp Club a public or private company?
CreditUp Club is a private company. It is classified as unknown and is currently operating.
When was CreditUp Club founded?
CreditUp Club was founded in 2012. It employs 11 to 50 people.
Where is CreditUp Club based?
CreditUp Club is headquartered in San Antonio, United States, in the North America region.
How does CreditUp Club make money?
One revenue line is on record: credit Monitoring Subscription.
Who are CreditUp Club's main competitors?
Broad incumbents on record are Credit Karma and Experian Boost. Direct peers are Lexington Law, Sky Blue Credit, Credit Saint and The Credit Pros. Emerging players are Credit Sesame, Self Financial and MoneyLion. ID Watchdog is listed as an others.
Does CreditUp Club have an API?
No public API is recorded for CreditUp Club.
What industry is CreditUp Club in?
CreditUp Club's product category is Credit Services. Its primary akta.pro industry code is FSAEAAAL, Fee-Only Advisory. Its NAICS code is 52231 and its SIC code is 6099.