# Credit Repair Builder - Credit — Repair, Dispute, Build Credit

> Repair, Dispute, Build Credit (iPhone/iPad app by Karol Jaworski.)

- Source: https://appshunter.io/ios/app/credit-repair-builder-credit/id6779428195 (this page in markdown: same URL + `.md`)
- Developer: [Karol Jaworski](https://appshunter.io/developer/1799974477)
- Category: Finance, Education
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18 · 2 MB
- Languages: American English
- Released: 2026-06-17
- Data updated: 2026-06-20
- User reviews in markdown: https://appshunter.io/ios/app/credit-repair-builder-credit/id6779428195/reviews.md

## What is Credit Repair Builder?

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Credit Pro | $4.99 | per month |
| Credit Pro | $39.99 | per year |
| Credit Pro | $39.99 | per year |



## Version history (last 1 release)

### 1.0 — 2026-06-17

No release notes.

## More apps by Karol Jaworski

- [HairRush - End Hair Loss](https://appshunter.io/ios/app/hairrush-end-hair-loss/id6743035238)
- [Sparky - Daily Couple Fun](https://appshunter.io/ios/app/sparky-daily-couple-fun/id6744193208)
- [REMbank - Deposit Better Sleep](https://appshunter.io/ios/app/rembank-deposit-better-sleep/id6745431668)
- [Couple Duel - Fun Task Tracker](https://appshunter.io/ios/app/couple-duel-fun-task-tracker/id6745432130)
- [Snugli - Baby Tracker & Care](https://appshunter.io/ios/app/snugli-baby-tracker-and-care/id6747285231)
- [TellieTales: Bedtime Stories](https://appshunter.io/ios/app/tellietales-bedtime-stories/id6747285384)

All apps by Karol Jaworski: https://appshunter.io/developer/1799974477

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-20.*