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Here's where your loan readiness stands today.
Credit Report
Your full Experian credit file — score, personal info, account summary and trade lines.
Score Tracker
Watch your Experian score move over time.
Your score history chart builds up over time.
If you're newly enrolled, data points appear each month — check back soon.
Your Experian score is recorded automatically each month. Your chart builds up over time — the longer you're a member, the more data points appear.
Score Insights
Understand the ingredients that make up your score — and what to fix first.
Score Simulator
See what happens to your score before you make a financial move.
Credit Alerts
Real-time monitoring of changes to your Experian credit file.
Debt Analysis
A full breakdown of your debt — balances, utilisation, and what to pay down first.
Your debt breakdown appears here once your credit file has been loaded.
Try refreshing if you've just enrolled — it can take a moment for data to appear.
Identity Protect
Your personal details, monitored around the clock for suspicious activity.
Breach Scan
Find out if your email or personal data has appeared in any known data breaches.
Credit Builder
Build positive credit history through small monthly payments — no hard inquiry required.
Credit Builder Account
Our Credit Builder account lets you build a positive credit history through small, manageable monthly payments — with zero hard inquiry on your credit file. Your payments are reported to all three major bureaus every month, and the money you pay in is held safely in an FDIC-insured account and returned to you at the end of your term.
We'll notify you at your registered email address as soon as Credit Builder is available on your account.
Rent Reporting
Turn the rent you already pay into positive credit history — reported to all three bureaus every month.
Action Plan
Your personalised credit improvement moves — ranked by impact. Work through these in order.
Credit IQ
Understand exactly where your score sits, what lenders see, and what it takes to move up.
Lenders see significant risk at this level. Most mainstream personal loan and credit card applications will be declined or offered only with very high rates and small limits.
The near-prime zone — some lenders will approve you, but expect higher rates and tighter terms. This is where most LiftScoreIQ members start their journey.
The prime threshold — the point where most mainstream lenders open up. You'll qualify for competitive personal loans, most credit cards, and reasonable mortgage pre-approvals.
Super-prime. Lenders compete for your business — you'll receive pre-approved offers, the best personal loan rates, and access to premium rewards cards.
The elite tier. Top 20% of all borrowers. Lenders offer their absolute best rates — you have maximum negotiating power on any credit product.
My Plan
Your LiftScoreIQ subscription details and what's included.
- ✓ Experian credit score updated monthly — TransUnion & Equifax coming soon
- ✓ Full credit report access
- ✓ Score simulator — see the impact of financial decisions before you make them
- ✓ Real-time credit alerts — fraud and change monitoring
- ✓ Identity protect — dark web and personal data monitoring
- ✓ Breach scan — check your email against known data leaks
- ✓ Credit builder account enrolment
- ✓ Loan Readiness tracking — we tell you exactly when to re-apply
🔒 Billing details
📩 Notifications
💳 Payment history
🔒 Manage Billing
Current Plan
Payment Card
Update the card used for your LiftScoreIQ subscription. Your new card will be charged at the next billing date.
Want to cancel your membership?
Settings
Manage your account details and preferences.
Personal Details
Security
Before you go — here's what you'll lose
If you ever change your mind, you can sign up again anytime at liftscoreiq.com. Your history won't be saved.