About CreditVana

Our mission

CreditVana exists to make credit simple, transparent, and genuinely free for everyone in the United States. We believe you should be able to see exactly where you stand — across all three credit bureaus — without paying for it, handing over a credit card, or falling into a 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 belongs to you.

What CreditVana does

CreditVana is a free credit monitoring app that gives you your credit scores and reports from all three major bureaus — Equifax, Experian, and TransUnion — refreshed every 14 days. There is no credit card required and no hidden subscription to see your scores.

Inside the app you can:

• Track your 3-bureau scores and see what changed between updates
• 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

Most "free score" products show you a single bureau's number, or a single VantageScore. But lenders pull different bureaus for different products, and your three reports rarely match — an error on one can cost you an approval even when the other two look fine. CreditVana shows all three so you see the full picture, not a convenient slice of it.

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.