Question: Can you recommend a platform that helps me monitor and improve my credit score in real-time?

If you want a service to keep an eye on your credit score and help you improve it, TransUnion has a variety of tools and resources. Its credit protection suite includes daily credit score monitoring, CreditCompass insights, Credit Lock Plus and $1MM ID theft insurance. It also offers the ability to set up fraud alerts, freeze or thaw credit reports, and get free weekly credit reports. The service costs $29.95 per month, plus tax, but offers useful features like credit score monitoring and fraud protection.

Another good option is Dispute AI, a credit repair service that automates the process of finding negative accounts and generating targeted dispute letters to remove them. It includes smart import, AI-generated disputes, professional letters and progress tracking. For $34.99 per month, you get unlimited disputes, monthly 3-bureau reports and scores, identity fraud insurance and credit monitoring, so you can take control of your credit repair.

TomoCredit is another good option for people who want to establish a credit score based on alternative data sources and its own proprietary algorithm. It offers credit monitoring, instant financial advice through an AI-powered chatbot and a variety of spending limits on the Tomo card. The service offers two pricing tiers, including options that grant credit line access up to $30,000 and priority support, which can help you improve your credit score more aggressively.