Credit Repair Builder - Credit

Repair your credit score with a proven 12-step plan, dispute letters, and an AI credit coach.

Your credit score determines your interest rates, rental approvals, and financial future. Most people don't know their score is fixable - they just need a plan.

Credit gives you a proven 12-step system to repair your score, dispute errors, reduce utilization, and build lasting positive history - with expert guidance at every step.

HOW IT WORKS: Follow the same system credit professionals use, broken into 4 phases:

• Phase 1: Pull your reports, find errors, send dispute letters
• Phase 2: Pay down utilization, request limit increases
• Phase 3: Secured cards, authorized user strategy, autopay
• Phase 4: Maintain under 10%, don't close old accounts, grow

FREE FEATURES:

• Full credit score tracker (log your progress, chart growth)
• 12-step credit repair plan (first 3 steps fully unlocked)
• Credit education: FICO factors, 6 myth-busting facts, proven strategies

CREDIT PRO:

• Complete 12-step plan with all 4 phases unlocked
• Dispute letter templates (FCRA-compliant, certified mail ready)
• Dispute tracker with 30-day deadline alerts
• Credit utilization calculator
• AI Credit Coach powered by Grok (30 queries/day)

CREDIT EDUCATION: Learn the exact FICO factors behind your score. Understand payment history (35%), utilization (30%), account age (15%), and more. Destroy 6 common myths. Master proven strategies - the 7-year rule, rapid rescore, authorized user tactics, and credit builder loans.

THE AI CREDIT COACH: Ask anything about credit repair and get direct, expert-level answers. Not generic advice. Specific, actionable steps based on US credit law (FCRA, FDCPA).

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/