How Storehouse works
One connected journey, from first login to the keys.
Storehouse connects your credit, your disputes, your funding readiness and your net worth, so progress in one shows up in the others. Here’s every step.
Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score. Lenders you apply with may run a hard inquiry.
- Experian712
- Equifax698
- TransUnion705
- VantageScore® 3.0
“Pay card ••4821 down to $690 to get under 9% utilization. It’s your biggest Funding Score lift.”
Late payment✓ RemovedAuto loan · Experian
CollectionIn reviewMedical · Equifax
Duplicate accountSentCredit card · TransUnion
Soft inquiry to start
No score impact from checking your own credit
3 bureaus, separately
VantageScore® 3.0
You approve everything
Nothing is sent without you
Read-only bank links
Through Plaid; we never move money
The walkthrough
Seven steps. Each one builds on the last.
- 01
Step 1
Sign up and connect
Start your 30-day Plus trial, set your goals and link bank and card accounts securely through Plaid, read-only. Starting doesn’t touch your score.
- Soft inquiry only
- Read-only bank links
- Goals shape your dashboard
Getting startedSample data- ✓Account createdPlus trial · 2 minutes
- ✓Goals setDispute errors · Get funding · Buy a home
- ✓Accounts linked via PlaidChecking ··1042 · Card ··4821 · read-only
- 4Reports requestedSoft pull · no impact on your score
- 02
Step 2
See all 3 bureaus
Storehouse pulls your Experian, Equifax and TransUnion reports separately and shows a VantageScore® 3.0 score for each, side by side.
- Three reports, never merged
- Alerts when something changes
Sample data3-bureau scanAll 3 reports pulledExperian38 accounts596✓ pulledEquifax36 accounts588✓ pulledTransUnion37 accounts579✓ pulledSoft pull · no impact on your scoreVantageScore® 3.0 - 03
Step 3
Storehouse finds possible errors
Every account is reviewed, and items that may be inaccurate, incomplete or unverifiable are flagged with a plain-English reason. You decide what to challenge.
- A reason for every flag
- Skip anything that’s accurate
Sample dataStorehouse report review3 possible errors found · you decide- ✓ Dispute
Auto loan ··7731
Why flagged: Reported 30 days late in a month your statement shows paid on time
- ✓ Dispute
Medical collection · $412
Why flagged: Same debt appears twice, from two collectors
- Skip
Store card ··2204
Why flagged: Balance doesn’t match the closing statement
Only items you choose are drafted. Accurate items can’t be removed.
- 04
Step 4
Draft, approve and send your disputes
Storehouse drafts FCRA-based letters per item and per bureau. You review, edit and approve each one as your own dispute, then Storehouse prints, mails and tracks it ($4.99 per item).
You can always dispute directly with each bureau yourself. Only inaccurate, incomplete or unverifiable information can be corrected or removed.
Draft · round 1Re: Request for reinvestigation of inaccurate information (FCRA § 611)
Disputed item: Medical collection, $412 — reported twice by two collectors.Jordan EllisApprove & sendRound 1Sample data- Sent
- In review
- Approved
You approved all 3 letters
- 05
Step 5
Track progress, bureau by bureau
When a bureau responds, your file and scores update. You see what changed, which score it moved and what to do next, plus a Monthly Statement PDF.
Illustrative sample. Results depend on your reports and each bureau’s response; no outcome, score change or timeframe is promised.
Sample dataScore history · VantageScore® 3.0Experian671Equifax684TransUnion662M3 · Duplicate collection removedM4 · Late payment corrected - 06
Step 6
Get matched to funding
Your Funding Score (0–100) and Score Match compare your profile with 65 lending and card partners, so you apply where you fit.
Matches are not offers or guarantees of credit. Lenders make final decisions.
Score MatchSample data74/ 100Tier 3 of 5 · StrongT1T2T3T4T5- American ExpressBlue Cash Everyday® CardStrong fit
- Capital OneQuicksilver Cash Back Rewards CardStrong fit
- SoFiSoFi Personal LoanAlmost
Next tier: bring card utilization under 10%
- 07
Step 7
Grow your net worth and shop for a home
Track real estate, business equity, investments and crypto in one net worth, and browse 462 homes across 30 markets with your readiness beside each listing.
Net worthSample data$204.4K▲ $43K · 1YReal estate52%Business21%Investments17%Cash & crypto10%
$612,5003 bd · 2 ba · Austin, TX✓ Credit-ready for this home
How disputes work
Four steps, and you approve every letter.
Storehouse organizes the work. You decide what to challenge and how each letter is sent.
Step 1: Start your trial and connect your 3-bureau report
Plus is 30 days free. Your Experian, Equifax and TransUnion reports load side by side, each with its own VantageScore® 3.0. Checking your own credit is a soft inquiry, so it won’t affect your score.
Your 3-bureau reportSample data- Connected712
- Connected698
- Connected705
VantageScore® 3.0 · Plus trial, day 1 of 30
Step 2: Storehouse flags possible errors
Items that may be inaccurate, incomplete or unverifiable are flagged across Experian, Equifax and TransUnion, each with a plain-English reason. You choose what to challenge.
Possible errorsSample data- ReviewLate payment · Auto loanPaid on time that month
- ReviewCollection · MedicalSame debt listed twice
- ReviewAddressNot an address you’ve used
Step 3: You review and approve each letter
Storehouse drafts an FCRA-based dispute letter per item and per bureau. Read it, edit anything, add supporting documents, then approve it as your own dispute.
Dispute letterSample dataDraft · round 1Re: Collection, Medical, acct ··3190
I am writing under section 611 of the Fair Credit Reporting Act to dispute this item, which is listed twice…
EditApprove letterStep 4: Choose how to send it
Storehouse prints, mails and tracks it for $4.99 per item, so the delivery date and the bureau's 45-day clock are recorded.
How it gets sentSample dataCollection · MedicalLetter approvedStorehouse prints and mails it$4.99Tracked to delivery, so the response window is dated- Sent / Mailed
- In review
- Response received
How each letter you approve gets sent.
Storehouse mails and tracks it
$4.99per item
Covers printing, postage and tracking.
- We print and mail the letter you approved
- Mailed and tracked, with no printer, envelope or stamps needed
- Delivery recorded, so the bureau's response window is dated
- Status shown in your Dispute Center
Dispute Center status
- Sent / Mailed
- In review
- Response received
Either way, it’s your own dispute, and nothing is sent until you approve the letter. Bureau outcomes aren’t guaranteed and response times vary; bureaus generally have 30 days to investigate (up to 45 in some cases).
Only inaccurate, incomplete or unverifiable information can be corrected or removed. No outcome, score change or timeframe is promised.
Explore each part
Every feature, in detail.
Credit Monitoring
All 3 bureaus, side by side, with alerts.
Dispute Center
Letters you approve, mailed or downloaded.
Funding & Score Match
Partners that fit before you apply.
Car Match
Nationwide listings inside your Storehouse account.
Funding Score
A 0–100 lender-readiness score.
Wealth Builder
One live net worth, real estate included.
Storehouse Advisor
Advice that knows your file.
Monthly Statement
Your progress in a monthly PDF.
Real Estate
Homes next to your credit readiness.
FAQ
Frequently asked questions.
A few minutes to create an account and verify your identity. Your reports are then pulled so you can see all three bureaus.
No. Viewing your own credit in Storehouse is a soft inquiry. If you later apply for credit, that lender may run a hard inquiry.
No. Storehouse flags items that may be inaccurate; you decide whether to challenge any of them, and nothing goes out without your approval.
Bureaus generally have 30 days to investigate (up to 45 in some cases). Results depend on your reports and each bureau’s response; no timeframe is promised.
Plus is 30 days free, then $59.99/mo: card required up front, today’s total $0.00, cancel before day 30 to pay $0. Elite is $99.99/mo.
Related
Keep exploring
Pricing
Plus and Elite compared.
Security
How your data is protected.
Free tools
Estimate your score in 6 questions.
Guides
Learn how credit and funding work.
Start your journey in a few minutes.
Plus: 30 days free, then $59.99/mo. Today’s total is $0.00. Card required up front. You’ll be charged $59.99/mo when the 30-day trial ends unless you cancel before then. Cancel anytime. New members only. Checking your own credit in Storehouse is a soft inquiry and doesn’t affect your score.