Work on your credit.
Earn points. Pay less.
CoolCredit Rewards gives you points for the steps you take in the app, like checking your credit and paying on time. Use them to get money off your plan and your monthly payments.
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Free to join
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Earn from day one
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You decide when to use them
+5,000 pointsYou made 3 on-time payments in a row
Rewards wallet
Your balance
8,000points
Recent activity
1,500
points just for setting up your account
3,000
points when you start your first plan
5,000
points every time you make 3 on-time payments in a row
50,000
points you can earn by referring up to 10 friends
How it works
From your first login to a lower payment, in three steps.
Points add up in your wallet as you use CoolCredit, and you choose when to spend them.
Earn as you go
Get points for verifying your email, getting your credit report, checking in each week, paying on time and more.
Starts at sign-up
Watch points add up
Every point you earn is added to your wallet, so you always know your balance.
Full history in the app
Use points to pay less
Get money off your plan, your monthly payments and more. Just choose Apply My Points when you pay.
Your choice, every time
Already with CoolCredit?
We've added points for what you've already done.
Log in and you'll find points in your wallet for steps you've completed, like creating your account and checking your credit.
Ways to earn
Here's how you earn points.
Start earning the day you sign up, and keep earning as you use CoolCredit.
Day one
When you get started
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Create your account
250
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Verify your email
250
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Get your credit report
500
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Complete the credit verification quiz
500
1,500 points in your wallet, just for finishing setup.
Ongoing
Once you're on a plan
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Start your first plan
3,000
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Make 3 on-time payments in a rowEvery time you do it
5,000
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Finish a credit courseFor each course
2,000
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Share your first dispute response letter with us
2,000
Keep paying on time to earn 5,000 points again and again.
Bonus
Anytime
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Check in each weekEvery week
500
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Refer a friendUp to 10 friends
5,000
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Celebrate your birthdayEvery year
1,000
Refer 10 friends and earn up to 50,000 points.
Ways to use points
Your points take money off what you pay.
Use them at checkout, on your monthly payments or to waive a late fee.
Pay less for your Credit Repair plan.
Choose Apply My Points at checkout and the price drops.
Points discount
Applied
Save on your monthly payments.
Pay less on your monthly Credit Repair plan payments when you choose Apply My Points.
Discount locked in for November 12
Discounts on more plans
Use your points on Pay As You Go and Boost Only plans too.
Cover a late fee
Use 4,000 points and we'll waive the fee.
How points add up
Your first three months could look like this.
An example for a member on a Credit Repair plan who pays on time and finishes one course.
Account, email, credit report and verification quiz.
Your first plan earns a one-time bonus.
Learn more about credit, right in the app.
Keep the streak going and earn it again.
points in your wallet, plus 500 more for every weekly check-in.
Refer a friend
Refer a friend.
Get 5,000 points.
Share your link from the app. Every successful referral earns you 5,000 points, for up to 10 friends.
- 01Share your referral link from the app
- 02Your friend joins CoolCredit and starts a plan
- 03You get 5,000 points
Referral rewards
50,000
points you can earn from 10 referrals
15,000 points earned35,000 more to earn
Questions
Common questions about rewards.
Is it free to earn points?
Yes. You start earning the moment you create your free CoolCredit account.
What can I use my points on?
Get money off your Credit Repair, Pay As You Go or Boost Only plan, save on your monthly payments, or waive a late fee.
What's the fastest way to earn?
Finish setup for 1,500 points and start a plan for 3,000 more. After that, every 3 on-time payments in a row earn you 5,000, and you get 5,000 for each friend you refer.
Can I earn the same reward more than once?
Yes. You get 5,000 points every time you make 3 on-time payments in a row, 2,000 for each course you finish, 500 for every weekly check-in and 1,000 every birthday.
How much can I earn from referrals?
Up to 50,000 points. You get 5,000 for each friend you refer, for up to 10 friends.
I've used CoolCredit before. Do I get points?
Yes. Log in and you'll find points for steps you've already completed, like creating your account and checking your credit.
Start earning points today.
Create your free account and get 250 points right away. Finish setting up and you'll have 1,500 points in your wallet.
Start Earning PointsPrefer the app? App Store · Google Play · Already a member? Log in
Disclaimer Rewards are for CoolCredit customers. Point amounts, rewards and program terms are subject to change.
