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doxo’s Credit Score Protection Empowers Consumers to Track and Improve Their Credit While Paying Bills with Confidence

via Business Wire

Credit Score Protection is one of six essential elements of doxo’s All-in-One Bill Pay solution, empowers users to strengthen their credit all from one secure platform—and is available as part of a doxoPLUS subscription.¹

A strong credit score is critical for financial health, affecting everything from loan approvals to insurance rates and housing opportunities. Yet many consumers lack real-time visibility into the key factors that impact their credit and how their daily financial habits, like making bill payments, can strengthen or harm it.

Recognizing the need for integrated credit score monitoring and protection, doxo launched Credit Score Protection, one of the Six Essentials of doxoBILLS All-in-One Bill Pay. By combining secure bill management with automatic credit tracking and personalized insights, doxo gives consumers a simple way to understand and build their financial well-being—all in one place.

Credit Score Protection provided by doxo is just one of the premium features built into doxoPLUS. And at only $5.99 per month, doxoPLUS delivers these benefits at a fraction of the cost of other providers, who typically charge two to four times more for comparable coverage.

The Problem: Limited Credit Visibility Leaves Consumers in the Dark

Consumers often discover changes to their credit scores only after applying for credit or being unexpectedly denied. And because many monitoring tools require costly subscriptions, consumers often lack affordable visibility into score updates and the factors driving them—making proactive financial management difficult.

At the same time, missed or late payments, frequently caused by fragmented bill pay systems, can inflict substantial credit damage. According to doxo’s Hidden Costs of Bill Pay 2024 report, credit-related impacts accounted for $156 billion in hidden costs to U.S. households last year, driven by increases in credit fees, identity fraud, and overdraft fees. With U.S. consumers carrying $104,755 in average debt as of mid-2025,² even modest rate reductions make a meaningful difference. And these savings don’t include other advantages of stronger credit, such as improved rental approvals, lower insurance premiums, and reduced utility deposits.

“Credit visibility shouldn’t be a mystery or a luxury, nor should it be disconnected from the everyday actions that impact it, like paying bills,” said Steve Shivers, Co-founder and CEO of doxo. “With doxoPLUS Credit Score Protection, we’re closing that gap by delivering clear, affordable credit insight directly within the bill pay experience. Users can see their score, understand what’s driving it, and take meaningful steps to improve it—all from one secure platform. It’s a powerful step toward helping households avoid unnecessary fees and build stronger financial futures.”

The Solution: Real-Time Awareness. Actionable Insights. Financial Growth.

With doxoBILLS Credit Score Protection, available exclusively to doxoPLUS subscribers, users gain the tools and insights to take control of their credit while managing their bills. doxo recognizes that managing bills and maintaining a healthy credit score are deeply connected—and they should be addressed together, not separately.

  • Track your credit score and learn what affects it—all within your doxo account
  • Monitor your credit score updates as you manage and pay bills, with alerts if and when it changes
  • Get detailed information on the 5 Factors that affect your credit: Bill Payment History, Credit Card Usage, Loans & Mortgages, Length of Credit History, Number of Credit Inquiries
  • Understand how doxo helps protect your score, providing tools to help consumers avoid missed payments and easily organize all bill payments in one place
  • Gain credit score insights that inform users how to improve their score over time

By bringing together credit score protection, monitoring, and bill management, doxoPLUS Credit Score Protection helps consumers stay informed, protect their financial reputation, and build stronger credit effortlessly.

doxoBILLS: The Six Essentials of Bill Pay

Credit Score Protection, with doxoPLUS subscription, is one of six foundational elements of doxoBILLS—the industry’s most comprehensive approach to secure, streamlined bill management:

  1. Unified Bill Pay Calendar
  2. Private Pay Wallet™
  3. Real-Time Bank Balance and FREE Payments with Linked Bank Account
  4. $1M Identity Theft Protection
  5. Credit Score Protection
  6. Insights

Together, these six essentials empower consumers to manage and pay all their bills with one login, on any device, using any payment method—while maximizing control, visibility, and security.

Built on doxo’s advanced Bill Pay OS, doxoBILLS enables users to manage their finances with confidence and clarity—anytime, anywhere.

¹ doxoPLUS is a monthly subscription providing advanced bill pay protections for $5.99 per month (plus applicable tax).

² Source: Experian's Average American Debt by Age, US State, Credit Score and Type in 2025, November 2025.

About doxo

doxo delivers innovation that transforms the bill pay experience for consumers, billers and financial technology providers. For over 10M consumers, doxo’s all-in-one bill pay makes it simple to organize and pay any bill on any device through a secure checkout. For billers, doxo’s network-driven platform enables online and mobile payments with a ridiculously simple integration, radically lower costs, and game-changing features that are unavailable with legacy bill pay vendors. For fintech partners, doxo delivers financial innovations to consumers across 97% of US Zip Codes, paying from more than 8,000 financial institutions to over 120,000 billers in 45+ service categories. For employees, doxo is a creative, ever-learning team that is passionate about building fintech tools that dramatically improve the bill pay experience. For investors, doxo provides an extraordinary opportunity to invest alongside Jackson Square Ventures, MDV, and Bezos Expeditions to disrupt a market that accounts for over $4T of US Household spend. To learn more, visit doxo.com.

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