Free Forever · No Impact to Your Score
Build better credit, faster.
Feodis reads your real credit report and turns it into a ranked list of what to do next — not just a number. Every insight comes with a specific action and an estimated point impact, so you always know your next move.
Get my free scoreNo hard pull. No credit card required.
VantageScore 3.0
587
Do this next
Pay Capital Trust Card under 30% utilization
Estimated impact: +15–25 pts · 30–60 days
well above the 30% threshold · sample report
Real people. Real progress.
Every insight is grounded in your actual report — nothing simulated, nothing vague.
How it works
Verify it's you
A soft identity check — never a hard pull, never visible on your report.
We read your real file
Pulled directly from the bureaus, parsed into plain language.
See what's actually moving your score
Utilization, thin file, collections — named specifically, not vaguely.
One platform
Banking, built by people who already know your credit.
Real credit-builder accounts and full banking — real accounts, real cards, real money movement — for the people this system has historically left out.
Track
Free credit tracker
See your real score and exactly what's affecting it, at no cost.
Build
Credit-builder accounts
CreditBoost — a reporting tradeline that builds your file every month it's open.
Learn more →Feodis vs. traditional banks
Built for people the credit system usually ignores.
Most banks show you a score. Feodis shows you why it’s that number and exactly what to do about it.
| Feature | Feodis | Traditional banks |
|---|---|---|
| Plain-language insights that name the exact cause, not just a score | ||
| Personalized action plan with an estimated point-impact range | ||
| Free credit monitoring, no card required | ||
| Credit-builder tradeline reporting monthly to all 3 bureaus | ||
| Guided dispute drafting for report errors | ||
| See your score with no hard inquiry |
