Launch
Get Started →
NEWLaunch now reports your rent  →

Launch.
A Journey to Freedom

The car. The keys. The rate everyone else seems to get. It all comes down to one number — and we know how to move it.

Get Started →
Utilization
28%
Down from 87%
Builder account
Open
Reporting to all 3 bureaus
Rent reported
$1,450
24 months backdated
Next step
Mar 18
One move — we'll remind you
☰🔔
612/850
↑ 0 points
Last updatedToday Scoring modelVantageScore 3.0®

Free score check

See where a year could take you.

Type your score. That’s the whole thing.

Not sure? A rough guess works fine. Free · no credit check · nothing to sign up for.

What those points actually buy

🚗Drive off the lotinstead of getting quoted 20%
🏡Get the keyswithout needing a cosigner
💳A real limitnot another $300 starter card
🔑Skip the depositon the next place you rent

A year from now

636 +61

You’d cross out of Poor and into Fair.

575today 636in a year
300850
575today 636in a year
Poor → Fair

An example. +61 is the average first year for people starting around 500–599 with Launch3, measured as highest VantageScore 3.0 in 12 months minus starting score. Late payments can lower your score. Results vary.

Start building →

How it works

Two minutes to start. Then we work.

01 · Check

See where you stand

One soft check, all three bureaus. It never lowers your score.

02 · Build

We set it up for you

Builder account opened, rent and bills switched on, two years backdated.

03 · Rise

Watch it climb

On-time history stacks every month. We tell you the one move to make next.

9:41
Launch CoachActive now
Want me to check your credit? Takes 30 seconds and it won’t lower your score.
Go ahead.
Your score612
Soft check done · nothing hit your report.
Biggest thing holding you back: your file’s too thin. Let’s fix that first.
Do it.
All set3 bureaus
Builder account open · rent reporting on · 24 months added.
That’s it. Check back on the 18th — you should see it move.
Ask me anything… ↑

What you get

Everything. Nothing extra.

Four things move your score. We do all four, for one price.

01 · Diagnose

See what's actually holding you down

We read all three reports and rank every problem by what it costs you — then give you the one move that fixes each.

Utilization · 87%−48 pts
Thin file−32 pts
No rent history−21 pts
02 · Build

Open a credit line built for a thin file

A small, low-cost builder account through our lending partner3 — reporting to all three bureaus from month one.

Reports toAll 3 bureaus
Hard inquiryNone
On-time streak6 months
03 · Report

Get credit for what you already pay

Rent, phone, power, internet. Add them in the app and they start landing on your report — up to two years backdated.

Rent · $1,450Reporting
Phone · $85Reporting
Backdated24 months
04 · Coach

Never guess what to do next

Ask anything at 2am. It knows your balances and your dates, and tells you which move helps most this month.

Next best moveMar 18
QuestionsUnlimited
Available24/7

Inside the app

Your future, upgraded.

Today · Coach

One move, every week.

Your next step

Pay $420 on your Visa before the 18th. Utilization drops under 30% and you should pick up ~11 points this cycle.

12 monthsyour plan
◆ Your fix list

Ranked by what it costs you.

Not a wall of numbers. A short list, hardest-hitting first, with the exact move that fixes each one and what it should be worth.

Get one card under 30%≈ +11 pts
Add rent · 24 months backBiggest win
✓✓●
DiagnosedPlan builtIn progress
✦ Marketplace

Offers picked for you.

When your file is ready — not before — we surface the products that actually match it. We tell you when we earn a commission.

Credit builderCard matchesAuto refinance
↗ Build

Build history, not debt.

Rent, utilities and phone reported every month.

Rent$1,450
Backdated24 mo

Reporting to all three bureaus.

Your builder account and your everyday bills both land at Experian, Equifax and TransUnion — so the work actually shows up where lenders look.3

Experian · Equifax · TransUnion

Pricing

One plan. Everything in it.

No tiers, no add-ons, no surprise charges when things get hard.

LaunchEverything included
$39.99/ month

$0 today · You're billed after each month of work

Cancel any time. No contract, no cancellation fee, no setup fee.

  • ✓All 3 bureaus read and scored
  • ✓Full AI diagnosis — ranked by dollar impact
  • ✓Your step-by-step plan, updated monthly
  • ✓Credit builder account via our partner3
  • ✓Rent + bills reported, 24mo backdated
  • ✓What-if simulator — test a move first
  • ✓AI coach, 24/7 — unlimited questions
  • ✓The app — iPhone, Android, web
Get Started →
A Journey to Freedom

Everyone deserves
a second look

The credit system wasn't built for you. It was built to price you — and nobody ever showed you the rules.

So that's what we do. Show you what's on your file, what it's costing you, and the one move that helps most. Then set it up. One price, everything included, and the truth even when the truth is "that one takes time."

Get Started →
Launch A journey to freedom →