How to upgrade to Pro
Your full roadmap is free. Upgrading to Pro adds the AI Coach, score simulator, and dispute tools. Here's where to upgrade and what to expect at checkout.
Where to upgrade
Your full 12-month roadmap and self-service tools are already part of the free plan, so upgrading is only about the Pro extras. You can start an upgrade from a few places. The "Your Plan" section of your profile has a Pro upgrade card with a monthly-vs-annual toggle. The Pricing page shows the same option alongside the full feature comparison. And Pro-only features — the AI Coach, score simulator, and dispute tools — show an "Upgrade to Pro" button that takes you there. Pro adds the AI Credit Coach, the score simulator, dispute letter templates, priority support, and unlimited goals on top of everything in Free.
Choosing billing and checking out
Choose monthly or annual billing — annual is billed once up front and works out cheaper per month. Pro is $14.99/month, or $149.99/year ($12.50/month when billed annually). When you upgrade, First Year Credit hands you off to Stripe's secure checkout with your billing already applied, so you just confirm and pay. For the complete feature-by-feature comparison, see the Pricing page.
Your free trial
Pro includes a 7-day free trial. You won't be charged during the trial, and Pro activates automatically when the trial ends unless you cancel first. Payment is handled through Stripe's secure checkout.
Key Takeaways
- The full roadmap and tracking tools are free — upgrading is only for the Pro extras.
- Pro adds the AI Coach, score simulator, dispute templates, priority support, and unlimited goals.
- Pro includes a 7-day free trial and is billed through Stripe; cancel before it ends to avoid a charge.