Your plan in 1–2 days
Know your credit move before you apply.
Tell us your situation once. Within 1–2 days, a real person sends your Merit Report: where to apply first, what to skip, and what will block you, checked against verified lender policy.
Built for situations like these
Every report is written by a person for one specific situation: not a score, not a generic checklist, and never a lead-gen form.
“I want a first US card but I’ve heard the wrong application leaves a hard inquiry and a dead end for months.”
“I have non-US student debt and a US offer. Do I refinance now, or wait until I have a payment history here?”
“Arriving this fall? Set up your US credit in your first 30 days.”
Fill it in once. It follows you through every credit decision.
You do the telling. We do the finding.
Fill in your situation once.
A card, a refi, an apartment. Two minutes, no SSN.
Get your first move mapped.
Where to apply, what to skip.
Come back for the next one.
Your profile is ready, and it remembers.
Why people trust Merit with their first move.
Comparison sites earn by selling your attention to lenders. Merit is paid only when a recommendation genuinely fits and funds, every paid relationship is disclosed, and sometimes the right answer is: don’t apply anywhere yet.
A borrower mid-refinance. Same lender, three weeks apart.
4.04%
First quote7.48%
Three weeks laterOne new account mid-refi. Scores dropped 18 to 23 points.
Don’t open anything new while rate-shopping. Wait, pay down before the statement date, then shop.
≈ $334 / mo
≈ $20,000 over five years
Individual outcome, anonymized. Every situation differs; no outcome is guaranteed.
Two minutes now. Your move by tomorrow.
Free for you, always. We answer to you, not the lenders.
Start now- No SSN needed to start.
- No credit pull.
- We don’t apply on your behalf.