Credit Repair Builder - Credit

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/