Credit Stamina

Credit repair without the empty promises.

Most credit repair apps promise miracles, charge a fortune, and leave you guessing what to do next. Credit Stamina takes a different approach: real tools, clear guidance, and an honest path forward — at a price built for people actually working through credit challenges.

Know what to tackle first

Credit problems aren't all the same, and they shouldn't be treated the same. Credit Stamina's 3-Lane System sorts every account on your credit report into three priorities:
- Active Damage — the items hurting your score right now
- Removable — collections, charge-offs, and aged negatives worth disputing
- Monitor — what to keep an eye on as you build

You stop guessing where to start. You always know the next move.

Drop in your credit report — we'll read it

Upload a PDF report from Equifax, Experian, or TransUnion. Credit Stamina parses it automatically, classifies every account, and surfaces what matters. No typing in account numbers one at a time.

We mail your dispute letters for you

Most apps generate dispute letters and tell you to print them. We don't. Pick an account, let the AI draft the right letter type, review it, and we'll send it via real first-class USPS mail with tracking. Then watch the FCRA 30-day response window count down inside the app.

AI that explains the why, not just the score

Don't just see your score — understand it. Credit Stamina's AI assistant explains what's blocking you, breaks down your dispute options, and answers questions in plain language. It's a coach, not a dashboard.

Build a budget that works for you

Enter your real bills, income, and goals. Credit Stamina helps you choose a debt-payoff approach — snowball, avalanche, or hybrid — and uses AI to build a personalized plan based on your actual numbers.

Designed for two

Credit recovery is easier with a partner. One subscription covers two users, so couples and families can work toward financial goals together instead of paying twice.

Built for the long game

The name says it: Stamina. This isn't a 30-day quick fix. The AI guidance, score tracking, and tools stay useful long after your initial recovery — when you're ready to qualify for a mortgage, plan a major purchase, or just keep your finances on track.

Earn rewards for real work

Earn Stamina Points for sending disputes, logging score updates, and inviting friends — redeem them for free months of subscription. Real rewards for real work.

What we don't do

We don't guarantee results. No legitimate company can. What we do is give you the tools, prioritization, and guidance to make real progress — affordably, honestly, and at your own pace.