About CreditVana

Our mission

CreditVana exists to make credit simple and transparent for everyone in the United States. We believe you should be able to understand where you stand without a hard credit inquiry or a confusing free-trial trap. Credit decisions shape where you live, what you drive, and how much you pay to borrow. We think the information behind those decisions should be easier to understand.

What CreditVana does

CreditVana lets you check a core credit score for free and understand the factors shaping it. Members who want a broader view can upgrade to Premium for three-bureau scores and monitoring across Equifax, Experian, and TransUnion.

Inside the app you can:

• Check your core credit score for free, with optional Premium three-bureau access
• Get alerts when something on your credit profile moves
• Review a personalized breakdown of the factors helping and hurting your score
• Build credit with Vana Cash, and compare credit cards, loans, banking, and insurance matched to your profile

Why three bureaus matter

Credit reports can differ because lenders and furnishers may report different information to each bureau. CreditVana Premium brings scores from all three bureaus into one experience so members can compare the wider picture.

Vana Cash

Vana Cash is a prepaid debit account issued by Community Federal Savings Bank (CFSB), Member FDIC. Members can open an optional virtual secured card with CFSB that reports to the credit bureaus, turning money you already spend into credit history — without taking on new debt or paying interest on a balance.

How we stay free

CreditVana is free to use because we earn commissions when members choose financial products through our partners. Those relationships never change your scores, the order in which offers appear, or our editorial guidance. We explain exactly how this works on our How We Make Money page, and the standards behind our content on our Editorial Guidelines page.

The company

CreditVana is operated by Credit Innovations, LLC, a United States company. Our apps have earned a 5.0-star rating on the Apple App Store, and we support members across all 50 states. You can reach our team any time through the app or the channels on our Contact page.