Get your credit score (and more) ready for homeownership

Let’s help make your dream of homeownership a reality. Work toward improving your credit score with a program aimed at getting you mortgage-ready. The best part? You'll have a personalized action plan to help keep you on track with credit recommendations and financial tips just for you.

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Only $14.99/month after a 5-day free trial

You won't be charged until after the trial period. Cancel your subscription at any time

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Your unique homeownership readiness timeline and assessment

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Your credit report and credit score breakdown (based on FICO® Score 4 from TransUnion®)

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Your personalized action plan with tips to help improve your credit and mortgage readiness

Prepare for homeownership with confidence.

Get access to the following tools with your 5-day free trial.

Get your homeownership readiness timeline and assessment

Get your homeownership readiness timeline and assessment

See how close you are to becoming a homeowner and see where you should improve with our readiness assessment, then work on accelerating your timeline (and mortgage readiness) as you follow a customized action plan to save, pay down debt, and learn to improve your credit.

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Personalized credit improvement strategies to help get you homeowner-ready

Basic credit monitoring can only get you so far. Receive personalized recommendations, based on your TransUnion® credit report, to learn how you can work toward improving your credit score and debt-to-income ratio, with the end goal of qualifying for a mortgage.

Your personalized homeownership action plan

Your personalized homeownership action plan

Based on your readiness timeline, you’ll get step-by-step recommendations and financial tips to keep you on track and moving towards homeownership. Plus, gain the knowledge and skills critical for buying and owning a home.

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Coming soon!

Spot credit report errors and automate disputes for free

See if any errors on your credit report are holding your score back, automate disputes to the credit bureaus, and track their progress.

Why choose DivvyUp?

Get personalized recommendations at a lower price than credit repair, with homeownership and mortgage approval as the focus.

Credit Monitoring

Credit Repair

Only helps with credit score and no other mortgage approval factors

Helps you work toward improving credit, savings, debt, and homebuyer knowledge

Only helps with credit score and no other mortgage approval factors

Lacks personalized recommendations

More cost-accessible at $14.99/mo

More expensive at $100-200/mo

Doesn’t give insight into your homeownership timeline or readiness

Gives you a homeownership readiness and timeline estimate

Doesn't give insight into your homeownership timeline or readiness

You've got questions. We've got answers.

Divvy in the press

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Divvy is proud to be included on Time’s list of the 100 Most Influential Companies of 2022.

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"Innovative technology that’s simplifying and opening the real estate market to a new generation."

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“Reimagining [rent-to-own] by offering aspiring homeowners more say and more financial leverage.”

TransUnion® is a registered trademark of TransUnion LLC. FICO® is a registered trademark of Fair Isaac Corporation.

Images are for illustration purposes only. Product features and other details are subject to change at any time.

Your Homeownership Readiness Timeline is not a credit decision and does not constitute an offer or approval from us, our partners or any other party. We do not warrant or guarantee the accuracy of your Homeownership Readiness Timelineine. Your likelihood of qualifying for or obtaining a mortgage or other financial product may be different than what our assessment or your Homeownership Readiness Timelineine indicates or implies.

Action plans, including their content and tasks, are recommendations and estimates and may not have the intended result. Individual results may vary.

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