Three pillars. One platform.
Real score gains.
Recommendations engine + automated disputes + AU tradeline marketplace. The only platform that combines all three — and makes them work together.
Cancel anytime. 3-day right of cancellation per CROA. No upfront fees.
Everything your credit needs, on autopilot
From report analysis to dispute resolution to tradeline acceleration — we handle the heavy lifting.
Weekly Recommendations
Six algorithms run every Sunday — utilization, payment timing, credit mix, age, inquiries, and negative-mark aging. We tell you exactly what to do this week.
Automated Disputes
AI scans your reports for FCRA-violations and generates legally precise dispute letters citing the exact statutes. Filed with all 3 bureaus the same day.
AU Tradeline Marketplace
Browse vetted authorized-user tradelines from real cardholders. Escrow-protected, score-impact predicted before you buy. Legal under ECOA Reg B.
8 Letter Types
From Section 609 verification requests to CFPB complaints — every legal avenue covered, with smart rotation when bureaus stall.
Score Tracking
Pull scores across all 3 bureaus, chart progression, and see projected impact for every recommendation before you act.
Auto-Escalation
No bureau response in 35 days? We automatically escalate with stronger letters and CFPB complaints. No manual chasing.
FCRA + CROA Compliant
Mandatory disclosures, 5-day waiting period after signature, 3-day right of cancellation. Audit trail for every dispute.
From upload to +80-150 points in 12 weeks
All three pillars work together. Here's what most members experience.
Onboard + analyze
Upload report. AI parses + identifies disputable items + extracts all account data.
File disputes
Five algorithms surface action items. FCRA letters auto-generated, e-signed, filed with bureaus.
Implement payment recs
Pay down high-utilization cards before statement close. Set up two-payment schedule.
Marketplace boost
Add an aged AU tradeline if recommended. Posts to bureaus in 5-30 days.
Score climbs
Tradeline reports + utilization drops. Most users see +50 to +75 points by week 9.
Disputes resolved
Bureau investigations conclude. Items removed = additional +20-50 points.
Score-improvement projections based on FICO scoring model behavior. Individual results depend on starting credit profile and effort. Score improvement is not guaranteed (CROA disclosure).
Have a 5+ year old credit card with a good limit?
You could earn $600 - $6,000/year selling AU access. Free calculator.
Ready to take control of your credit?
Members average +112 points in 90 days across all three bureaus. Past performance not indicative — score gains depend on your starting profile and effort.
Get Started Today