A credit score that opens doors. Build, clean up, and protect your credit — 100% free to start. AI-powered tools make it effortless so you get where you need to be, faster.
How It Works
No confusing forms. No waiting on hold. Our AI handles the complicated parts so you can focus on living your life.
Sign up in under 2 minutes. Connect your credit profile securely and get an instant snapshot of where you stand — no credit card required.
Our AI engine analyzes your credit report, identifies errors and opportunities, and files disputes automatically on your behalf — saving you hours of paperwork.
Track your progress in real time. Get alerts when items are resolved, see your score trending upward, and unlock new financial opportunities.
AI Dispute Engine
Our AI scans your credit report for errors, outdated items, and inaccuracies. It generates professionally written dispute letters and files them directly with credit bureaus — no templates, no guesswork.
Credit Builder
No hard inquiry. No upfront deposit. Our credit builder tradeline reports positive payment history to the major bureaus, helping you build a stronger profile even if you are starting from scratch.
Credit Protection
Real-time monitoring watches for unauthorized inquiries, new accounts, and suspicious activity. Get instant alerts and take action before damage is done — backed by identity theft insurance for total peace of mind.
Pricing
Start free and upgrade when you are ready. No hidden fees, cancel anytime.
Average 38pt score lift
$39.99/mo · Billed $99.99/year
Average 93pt score lift
Testimonials
Over 100,000 five-star reviews across the App Store and Google Play. See what our members are saying.
“I was skeptical at first, but after three months my score went up 87 points. The AI found errors I had no idea existed on my report. Absolutely worth it.”
“So much easier than trying to write dispute letters myself. The app handles everything and keeps me updated. My mortgage lender was impressed with my improvement.”
“The credit builder feature alone is worth the premium plan. No deposit needed and my thin file now has solid positive history. Score went from 580 to 690.”
“I got an alert that my info was found in a data breach. The identity protection kicked in immediately and walked me through every step. Peace of mind is priceless.”
“Started with the free plan and upgraded after the first dispute got resolved. The premium AI disputes are way more thorough. Already up 62 points in two months.”
“I have tried three other credit apps and this one actually delivers results. The interface is clean, the AI explanations make sense, and my score keeps climbing.”
Why Choose Us
We are not just another credit app. Our AI-first approach delivers faster results with less effort from you.
Your data is encrypted with 256-bit SSL and never sold to third parties. We follow the same security standards as major financial institutions.
Most members see their first dispute filed within 5 minutes of signing up. Our AI works faster than any manual process — and never takes a day off.
Over 1.5 million members trust our platform. With an average 93-point score lift for premium members, the results speak for themselves.
FAQ