Frequently Asked Questions

Curu analyzes your credit spending, debit balances, income level 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.

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Absolutely not! Companies like Credit Karma will show your credit scores and the factors that make up your credit score while companies like Mint will help you budget efficiently. Curu is the only service that fills the gap of actually improving your credit score by informing you the exact actions that you need to make (or have Curu make for you automatically).

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Curu will be released January 2018.

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Yes and 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).

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Normally when you hear the words “credit score” it comes with a negative connotation. Our mission is to remove the burden or negativity that surrounds a credit score. Curu ensures your credit spending is under control and your credit score is where it needs to be so you never worry about getting rejected or a high-interest rate because of it. 

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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!

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No credit? No problem. Curu has a Curu Credit Establishment program that will start you off with the best card for you so you can start using Curu to become a credit expert (aka a Credit Guru)! 

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Absolutely! We could just give you a high credit score, but we would prefer you also knew exactly what you were doing. You are rewarded with Curu Credits each time you initiate a good credit practice that will positively impact your score. You start off as a Credit Novice and work your way toward becoming a certified Credit Guru!

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A 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!

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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 (256-bits) with out 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.

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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 beforehand.

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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. 

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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.

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Check out our blog! Also if you have any specific/immediate questions, message, or tweet at us @CuruCredit. We also answer specific credit questions on our facebook @CuruCredit.

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