OUR TECHNOLOGY’S SO GOOD IT’S PATENTED
Get approved faster with PulseCredit
PulseCredit helps repair your credit, monitor changes and provide soft-check pre-approvals — so you can apply with confidence and save on loan rates.
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We Make it Easy with the Right Tools and Loans
Add Points
Build & Boost Your Score — Achieve your target using action buttons and guided tools.
Get the Loan
Apply with Your Best Score — Use our smart matching to find the right financing.
Save Money
Live Confidently — Enjoy lower rates and the savings from better financing.
Plus, Get Privacy & Fraud Tools to Protect Your Credit Score
Monitor suspicious activity, get alerts, and report anomalies quickly. Our tools combine identity protection with monitoring to keep your score safe.
Report Suspicious Spending
Track your spending habits, get alerted and report anomalies quickly.
What Our Members Say
Sylvia C.
Member since 2020 — +14 Points in 10 Days
Kayla L.
Member since 2021 — +112 Points
Troy G.
Member since 2018 — +198 Points
Pricing plans table
Pick a Plan to Reach Your Goal
Build
7-Day Trial Then • $29.99/mo
• 3B Report & Scores
• Smart Credit Report® & Scores
• Credit Monitoring
Grow
7-Day Trial Then • $39.99/mo
• Unlimited Smart Credit Reports
• Enhanced Monitoring
• Priority Alerts
Max
7-Day Trial Then • $49.99/mo
• Identity Theft Insurance
• Daily 3B Scores
• Dedicated Support
PEACE OF MIND
Apply Confidently
Personalized options without hurting your score.
Join PulseCredit’s premium protection to take the next step with clarity and control.
Pre‑Approval
Know where you stand fast.
No Credit Impact
Soft check for peace of mind.
Education First
Clear steps to improve outcomes.
Fine Print Notes
1 The estimated calculation was obtained from the FICO calculator to determine savings from starting credit score to credit score before the above-mentioned financing occurred. Our calculation is subject to change without notice.
2 Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers' credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore 3.0 to FICO 8.0, verified by an official FICO 8.0 calculator. Our calculation is subject to change without notice.
3 ScoreBuilder is an individual communications tool using our patented Action button where all requests taken by an individual are sent direct-to-creditor customer service. ScoreBoost is a payment and spending simulation based on credit utilization from TransUnion, Experian and Equifax.
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IMPORTANT DISCLAIMER:
© 2025 PulseCredit. Powered by the ClearDirect® Platform - All Rights Reserved. Any scores, score changes or available plus points shown or inferred are estimates only. Individual results and speed of results may vary, and results are not guaranteed.