Save the baseline
Review both reports, list accurate reported accounts and dispute errors before a new application.
One first move
Find the actual constraint
Your answers stay in this browser. Bremo records only anonymous stage names—never your credit status, answers, score or identity.
No email · no score · no financial answers transmitted
A generated plan or provider handoff is not an application, account, approval, score increase, paid conversion, revenue or profit. Current provider terms and authenticated provider evidence control those outcomes.
90-day evidence loop
What happens after the choice
Do not chase daily score movement. Build reliable payment evidence and inspect the underlying reports.
Protect the payment
Fund required payments before they are due. Contact the lender immediately if a payment may be missed.
Verify reporting
Check the reports again for the account, payment status and errors. A marketing dashboard is not the bureau record.
Current official sources
FCAC: improving your credit score — payment history, utilization, account age and credit inquiries.
FCAC: checking reports for errors and fraud — review both bureaus and dispute inaccurate information.
KOHO: how Credit Building works — Equifax reporting, eligibility, current-price location and missed-payment risk. Verify the price in the KOHO app before enrolling.
Commercial disclosure: Bremo may receive compensation after a qualifying KOHO referral. The official sources above are not commercial links. The qualified Bremo handoff appears only after the planner's affordability and file checks.