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How does Curu work?
Curu analyzes your credit spending, debit balances, income level, financial goals and other factors to find the best actions you can take to raise your credit score. Curu takes it a step further and pays your credit balances off for you at the best time and rate to positively affect your credit score.
So you’re like Credit Karma or Mint?
Absolutely not! Companies like Credit Karma will show your credit scores and credit factors while companies like Mint will help you budget efficiently. Curu is the only service that fills the gap of actually improving your credit score.
When will Curu be released?
Curu will be available to the public early 2018. If you’re interested in joining now, sign up for our private user base now!
Does Curu cost anything?
Nope! Curu is a free service.
Is Curu a bill pay?
Yes & much more. Think about Curu like your personal credit score advisor in your pocket. Whenever there is something you can do to help your credit score, Curu will let you know (or do it so you don’t have to worry about it).
Does Curu show me my credit score?
Not yet. Initially Curu will not show you a credit score. We are working to get a credit score on our service for free for our users! What you will see on Curu will be your Curu Rank.
What is a Curu Rank?
Your Curu Rank will demonstrate your understanding of how to properly build credit. The more you follow our recommendations and exercise good credit practices, you will earn Curu Credits toward ranking up to a Credit Guru!
Does Curu give me a Curu credit card?
Nope! We want to help you understand and manage your credit with your own accounts without requiring you to sign up for any additional products. If signing up for a new credit card will help improve your credit score, Curu will recommend the best cards for you!
What if I don’t have a credit card?
No credit? No problem. You can still download and use Curu to learn how to build credit properly. Once you’re ready for your first credit card, you can sign up for one directly through the application.
Will Curu teach me about credit?
Absolutely! We could just give you a high credit score, but we would prefer to show you how to do it yourself while we make it effortless to manage. Earn Curu Credits for answering Credit Quizzes.
Does Curu secure my information?
Without a doubt! Our main goal is to make sure each user is as secure as possible. We work with a high level of encryption (512-bits) with our data communication. On top of that, none of your financial data is stored on your phone or by Curu. We are also PCI DSS compliant in order to process payments directly through the application.
What if I don’t want Curu to pay a bill?
No problem! You have total control over what Curu will pay and not pay. You can also have Curu automate all of your payments and set any preferences you have before hand.
When will Curu pay my credit balances?
At the best time to positively affect your credit score. Curu uses an algorithm that finds the best day and rate to pay off your credit cards based off of your credit utilization, debit balance and income.
Does Curu get me out of debt?
Yes. Curu is focused on increasing your credit score, but will factor your current debt and find the best way to increase your score while creating a plan to get you out of any financial hiccups.
What happens if my credit card is lost or has some fraudulent activity?
Curu monitors all of your transactions and will notify you if there is any suspicious activity. You can flag purchases that were not made by you or under your permission, and Curu will show you the exact steps on how to handle fraudulent activity.
Where can I find out more information on what a credit score is and how to build credit?
Check out our blog! Also if you have any specific/immediate questions, message or tweet at us @curucredit.