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.
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.
Today
575
Poor
In a year
636
Fair
You’d cross out of Poor and into Fair.
Projected improvement
+61 points
in the next 12 months
What this means
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Better loan optionsQualify for more loans and lower rates.
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Lower paymentsSave hundreds with better terms.
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More opportunitiesStronger credit opens more doors.
This is a projection based on average results.
Your results may vary.
What those points actually buy
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.
See where you stand
One soft check, all three bureaus. It never lowers your score.
We set it up for you
Builder account opened, rent and bills switched on, two years backdated.
Watch it climb
On-time history stacks every month. We tell you the one move to make next.
Launch CoachActive now
What you get
Everything. Nothing extra.
Four things move your score. We do all four, for one price.
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.
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.
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.
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.
Inside the app
Your future, upgraded.
One move, every week.
Pay $420 on your Visa before the 18th. Utilization drops under 30% and you should pick up ~11 points this cycle.
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.
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.
Build history, not debt.
Rent, utilities and phone reported every month.
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
Pricing
One plan. Everything in it.
No tiers, no add-ons, no surprise charges when things get hard.
$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
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."