SoFi Blog

Tips and news—
for your financial moves.

Relay Investment Tracker


Investment Portfolio Summary

See all your

investments in

one place.

SoFi Relay provides a detailed breakdown of
your accounts and individual holdings, giving
visibility into your investment performance.


Get started

The insights you’ve always wanted.

SoFi Relay helps you understand how all your investments change with the market.

Track all your investments.

Connect your investment accounts and get updates on your portfolio.

Manage progress towards your retirement.

SoFi Relay automatically categorizes your retirement accounts so that you can see how close you are to your retirement goal.

See changes in your net worth.

Helpful charts and tables make it easy to track changes in your net worth over time.

Get financial advice from a specialist.

Access SoFi Member benefits like personalized advice from a credentialed financial planner at no additional cost.

FAQs


What accounts can I link?
You can link your deposit account (checking, savings), investment, and retirement accounts as well as credit cards, student loans, mortgages, and other liabilities. If you’re not able to link your account, you will be able to manually add an account or asset (like an owned car or home) so that you’re able to see your entire net worth.


What are the primary components of my credit score?

SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:

  • Payment History – comprised of whether you regularly pay your bills on time.
  • Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
  • Credit Utilization – the percentage of your credit limit you currently have outstanding.
  • Balances – balances on your credit accounts including current balances as well as delinquent accounts.
  • Inquiries – recent inquiries or applications for new credit.
  • Available Credit – amount of available credit that is unused.



Will checking my credit hurt my credit score?

Checking your own credit report is considered a soft inquiry, which does not impact your credit score.



Why does my credit score matter?

Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.


See more FAQs


Read more

Relay Money Management


BUDGETING AND SPENDING

Spend and Save

Smarter.

SoFi Relay helps you set budgets, categorize your spending, and spot upcoming bills – all for free.


Get started

The insights you’ve always wanted.

Stay on top of your finances by seeing where your money comes and goes.

Say hello to a budget planner.

Say goodbye to spreadsheets with our customizable budgets. Easily set budgets and get updates on your progress.

See upcoming bills.

Don’t pay more than you need to. We’ll track bills to help make sure you never miss a due date.

Get insights into your spending.

Spending categories lets you see how your money gets earned and spent each month across all your SoFi and external accounts.

Free credit score & credit utilization insights.

Track your credit score weekly and understand the factors that drive change, like your credit utilization.

FAQs


What accounts can I link?
You can link your deposit account (checking, savings), investment, and retirement accounts as well as credit cards, student loans, mortgages, and other liabilities. If you’re not able to link your account, you will be able to manually add an account or asset (like an owned car or home) so that you’re able to see your entire net worth.


What are the primary components of my credit score?

SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:

  • Payment History – comprised of whether you regularly pay your bills on time.
  • Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
  • Credit Utilization – the percentage of your credit limit you currently have outstanding.
  • Balances – balances on your credit accounts including current balances as well as delinquent accounts.
  • Inquiries – recent inquiries or applications for new credit.
  • Available Credit – amount of available credit that is unused.



Will checking my credit hurt my credit score?

Checking your own credit report is considered a soft inquiry, which does not impact your credit score.



Why does my credit score matter?

Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.


See more FAQs


Read more

Credit Score Monitoring


Free credit score monitoring

Check your score and

start building your credit.

SoFi Relay tracks your credit score and gives you real-time alerts when your score changes and insights you can take to improve your credit. 


Get started

Get Your Money Right® starts with your credit score

Sign up for credit score monitoring in under a minute and

begin getting insights into your financial health.

Monitor your credit score.

Track your credit score at no cost, with weekly updates to help you stay on top of when your score changes.

Get Insights On Your Credit.

Understand the factors that drive your credit score and what you can do to influence them.

Manage Your Credit Utilization.

Link your credit & loan accounts to to actively monitor your utilization and payment progress.

Get Financial Advice from an Expert.

Access SoFi Member benefits like personalized advice from a credentialed financial planner for no cost.

The power to track what impacts

your credit score.


Understand what affects your score.

Stay up-to-date with any changes to the key factors contributing to your credit score and learn about the influence you can have on them.

Powered by TransUnion®.

Get your VantageScore® 3.0 credit score, a model developed by all three national credit reporting companies.

This won’t hurt your credit score, or your wallet.

We only do a “soft” pull on your credit. Check your score as often as you want—it won’t hurt your score, and it’s at no cost to you.


Get started

FAQs


What accounts can I link?
You can link your deposit account (checking, savings), investment, and retirement accounts as well as credit cards, student loans, mortgages, and other liabilities. If you’re not able to link your account, you will be able to manually add an account or asset (like an owned car or home) so that you’re able to see your entire net worth.


What are the primary components of my credit score?

SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:

  • Payment History – comprised of whether you regularly pay your bills on time.
  • Credit Age and Type – average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
  • Credit Utilization – the percentage of your credit limit you currently have outstanding.
  • Balances – balances on your credit accounts including current balances as well as delinquent accounts.
  • Inquiries – recent inquiries or applications for new credit.
  • Available Credit – amount of available credit that is unused.



Will checking my credit hurt my credit score?

Checking your own credit report is considered a soft inquiry, which does not impact your credit score.



Why does my credit score matter?

Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.


See more FAQs


Read more

Crypto Trading: Samsung

Buy cryptocurrency

Trade crypto.

Get up to $100 in Bitcoin.


Buy now


Crypto is offered through

SoFi Digital Assets, LLC.


We keep your

crypto secure.

Get started with

just $10.

Do it all in the

SoFi app.

Keep your

crypto safe.

Worried about your money getting hacked? You don’t have to be. SoFi invest is a secure platform that ensures your holdings are protected against fraud and theft.†︎

crypto-vault
crypto-vault

Buy anytime.

Unlike the regular market, you can trade crypto 24/7. Weekends, holidays, middle of the night—no time is off limits.

crypto-vault
crypto-vault

Multiple ways

to invest.

Just one app.

If you have the SoFi app, you can buy crypto alongside the stocks, fractional shares, and ETFs that you’re already trading.

crypto-vault
crypto-vault

Risk is real.

Risk is a natural part of investing. And due to its volatility, crypto carries a higher degree of risk than traditional investments.

crypto-vault
crypto-vault


Bitcoin

Ethereum

Litecoin

Start trading
Bitcoin, Ethereum,
and Litecoin today.














FAQs










Read more

Buy Cryptocurrency SEM LP

Buy cryptocurrency

Buy crypto.

Get $10 in Bitcoin.

Make your first crypto trade of $10 or more to get your bonus.*


Buy now


Crypto is offered through

SoFi Digital Assets, LLC.


We keep your

crypto secure.

Get started with

just $10.

Do it all in the

SoFi app.

Keep your

crypto safe.

Worried about your money getting hacked? You don’t have to be. SoFi invest is a secure platform that ensures your holdings are protected against fraud and theft.†︎

crypto-vault
crypto-vault

Buy anytime.

Unlike the regular market, you can trade crypto 24/7. Weekends, holidays, middle of the night—no time is off limits.

crypto-vault
crypto-vault

Multiple ways

to invest.

Just one app.

If you have the SoFi app, you can buy crypto alongside the stocks, fractional shares, and ETFs that you’re already trading.

crypto-vault
crypto-vault

Risk is real.

Risk is a natural part of investing. And due to its volatility, crypto carries a higher degree of risk than traditional investments.

crypto-vault
crypto-vault


Bitcoin

Ethereum

Litecoin

Start trading
Bitcoin, Ethereum,
and Litecoin today.














FAQs










Read more
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