About Credit Club

Credit Club is an AI-powered credit improvement and identity-protection membership headquartered in the United States. We help members understand their credit, dispute inaccurate items across the three major bureaus, and monitor their personal information for identity theft — all from a single account at joincreditclub.com.

What we do

• Pull and explain your credit reports from Equifax, Experian, and TransUnion.
• Use AI to draft personalized dispute letters under FCRA Section 609 and the FDCPA.
• Monitor your SSN, financial accounts, addresses, and the dark web for signs of fraud.
• Alert you the moment a credit application, address change, or new account appears.

Who we are not

Credit Club at joincreditclub.com is a private US membership service. We are not a credit union and not a lender — we do not extend loans and we do not collect debts.

Get started

Membership is $29.99/month with no long-term contract. See pricing, read member reviews, or enroll now.