A strong credit score has become essential for financial stability, shaping everything from loan approvals and interest rates to insurance premiums and housing opportunities. Yet many consumers still lack real-time insight into the factors influencing their credit and how everyday habits—particularly bill payments—can hurt or strengthen their score. This gap in visibility often leaves people reacting to credit changes long after the impact has already occurred.
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To bridge this disconnect, doxo has introduced Credit Score Protection, a new capability offered as part of doxoBILLS All-in-One Bill Pay. By integrating secure bill management with automatic credit tracking and personalized insights, doxo gives consumers a seamless way to monitor, understand, and improve their financial health from one unified platform. Unlike many premium credit-monitoring services that come with high subscription fees, doxoPLUS includes Credit Score Protection at just $5.99 per month—a fraction of what other providers charge for comparable features.
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For most consumers, limited credit visibility means learning about score changes only when applying for credit or being denied unexpectedly. Monitoring tools are often expensive, making proactive oversight inaccessible to many households. At the same time, missed or late bill payments—frequently the result of fragmented bill pay systems—remain a major source of credit damage. According to doxo’s Hidden Costs of Bill Pay 2024 report, credit-related issues accounted for an astonishing $156 billion in hidden costs for U.S. households last year. With Americans carrying an average debt load of $104,755 as of mid-2025, even small improvements to a credit score can translate into meaningful savings across interest rates, insurance premiums, and rental approvals.
Steve Shivers, Co-founder and CEO of doxo, emphasized that understanding one’s credit should not be a privilege or a mystery. He noted that credit health is deeply tied to the everyday process of paying bills, yet most tools treat the two as separate. By embedding credit score protection directly into the bill pay experience, doxoPLUS offers users a clear view of their credit status, insights into what drives changes, and the guidance needed to improve their financial outlook—all within one secure ecosystem.
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With this integrated approach, users can track their credit score in real time as they manage their bills, receive alerts when updates occur, and gain insights into the core factors shaping their score. They are also able to see how doxo’s bill management tools help prevent missed payments, organize financial obligations, and ultimately protect their financial reputation. The result is a more holistic understanding of how daily financial behavior influences long-term credit outcomes.
Credit Score Protection is part of a broader framework known as doxoBILLS: The Six Essentials of Bill Pay, which represents the industry’s most comprehensive approach to secure and streamlined bill management. Built on doxo’s Bill Pay OS, this ecosystem brings together credit monitoring, identity protection, unified billing tools, and financial insights—allowing users to manage all their bills with a single login, across any device, with flexibility and confidence.
By pairing credit visibility with intelligent bill management, doxoPLUS helps households stay informed, avoid costly mistakes, and build stronger financial futures. It’s a powerful step toward democratizing financial clarity at a time when Americans need it more than ever.
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