Three plans. Zero surprises.

Yes. There's no contract and no cancellation fee. You can cancel in 2 clicks from your dashboard. When you cancel, you're billed through the end of your current month — no refunds for partial months, but no surprise charges either. Your reported history up to the cancellation date stays on your credit report.

We'll retry your payment method automatically for up to 7 days. If it still doesn't go through, we pause reporting for that month — we don't report a missed payment because we haven't actually extended credit. Once you update your payment method, reporting resumes the next cycle. Persistent non-payment eventually cancels your subscription, but you'll never be reported as delinquent.

Same product, different currency. Canadian members are billed in CAD ($20/$40 for Essential/Complete) and US members are billed in USD ($15/$30). The CAD price is slightly higher to match market exchange rates and Canadian payment processing costs — not a markup. You choose your billing currency at signup based on where you live.

No. We don't run a hard credit check at signup — we only verify your identity through a soft pull, which doesn't affect your score. You'll see "iBoost" appear on your credit report as a new tradeline within about 30 days, but that's a positive addition, not an inquiry.

It's the credit limit we report to the bureaus for your iBoost tradeline. Essential reports $750; Complete reports $2,000. A larger reported line increases your total available credit, which can improve your utilization ratio faster — utilization accounts for about 30% of your score. It doesn't affect what you pay; it's a reporting-only value.

Yes, upgrade or downgrade anytime from your dashboard. Upgrades take effect immediately and we pro-rate the difference for the current month. Downgrades take effect at the start of your next billing cycle — you keep full access to the features you already paid for until then. There's no limit on how many times you switch.