Upload your credit report, let our AI identify every negative item, generate professional dispute letters, and guide you step-by-step to financial freedom.
Credit restoration progress — 75% complete
A complete AI-powered toolkit that handles the complex work of credit repair — so you can focus on your financial goals.
Upload any credit report PDF or image. Our AI extracts every account, identifies negative items, and scores your risk profile in seconds.
Generate FCRA-compliant dispute letters for each negative item — personalized, professional, and ready to send to all three bureaus.
Track every dispute through R1, R2, and R3 rounds with a visual timeline. Know exactly where each case stands at all times.
Chat with your personal AI credit advisor 24/7. Get actionable guidance on what to do next to maximize your score improvement.
A personalized action plan with prioritized steps — from paying down balances to disputing errors — tailored to your unique profile.
Visualize your credit journey with detailed analytics. Track score changes, resolved items, and projected improvement timelines.
Four simple steps to start your credit restoration journey.
Securely upload your credit report PDF or image from any bureau.
Our AI scans every line item, identifies errors, and scores your risk factors.
One click generates professional, bureau-specific dispute letters.
Monitor every dispute round and watch your score climb.
Three tiers designed for every stage of your credit restoration journey.
Perfect for individuals starting their credit restoration journey.
"I went from a 521 to a 664 in just 6 months. The AI dispute letters were incredibly professional and the tracker kept me sane throughout the process."
"The AI advisor helped me understand exactly what was hurting my score. Three collections removed, two charge-offs disputed successfully."
"The Capital Elite program was worth every penny. Not only did my credit improve dramatically, but I got approved for business funding I never thought possible."