# CreditPath: AI Credit Coach — AI Credit Score & Debt Coach

> AI Credit Score & Debt Coach (iPhone/iPad app by Christopher Swofford.)

- Source: https://appshunter.io/ios/app/creditpath-ai-credit-coach/id6780622153 (this page in markdown: same URL + `.md`)
- Developer: [Christopher Swofford](https://appshunter.io/developer/1895187257)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 35 MB
- Languages: American English
- Released: 2026-06-18
- Data updated: 2026-08-09
- User reviews in markdown: https://appshunter.io/ios/app/creditpath-ai-credit-coach/id6780622153/reviews.md

## What is CreditPath?

CreditPath is an educational AI credit coach built around the next practical step—not a generic score dashboard. Create a private, self-reported credit profile and get a focused action plan that helps you build steadier credit habits over time.

WHAT YOU CAN DO
• See one clear, personalized action for today
• Follow a practical 30-day path for payment habits, revolving balances, and report review
• Explore educational credit scenarios before making a decision
• Track items you believe may be inaccurate or incomplete, along with your supporting evidence
• Ask the AI Coach clear, educational questions about credit basics, utilization, payment strategy, and credit reports
• Keep control of your information with local data controls and transparent privacy guidance

DESIGNED FOR CLARITY
CreditPath turns the basics of credit health into manageable next steps. It focuses on payment history, revolving credit utilization, account age, and responsible report review—without promising a score change or telling you to dispute accurate information.

IMPORTANT DISCLOSURES
CreditPath is an educational tool. It does not obtain or monitor your credit reports from a credit bureau, provide a lender score, act as a credit repair organization, or guarantee any score, lending, interest-rate, or credit-report outcome. Use the app’s guidance as general education and consider a qualified professional for advice tailored to your circumstances.

SUBSCRIPTIONS
CreditPath Plus unlocks enhanced coaching and planning features. Plans are billed through your Apple ID account and renew automatically unless canceled at least 24 hours before the current period ends. You can manage or cancel a subscription in your Apple ID account settings. StoreKit provides localized price, trial, and renewal information before purchase.

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


## Version history (last 4 releases)

### 1.3.0 — 2026-08-04

A complete CreditPath rebuild.

• A new Today view with one clear next step
• A practical 30-day credit action plan
• An evidence-led Cases tracker for report review
• Clearer, educational AI Coach guidance
• Transparent privacy, data controls, and subscription details
• Refreshed App Store screenshots that show the new experience

### 1.2.2 — 2026-07-07

This update polishes the experience end to end:
- Your credit score now displays clearly on the dashboard
- Credit factors are labeled accurately (Payments, Usage, Age)
- The Add Debt form opens clean every time
- Reliable Pro upgrade / purchase flow

Enter your own score and debts during setup and CreditPath builds your factors, dashboard insight and step-by-step action plan from YOUR numbers.

### 1.1.0 — 2026-06-27

• New: AI Financial Path — personalized week-by-week credit improvement plan
• New: Daily Check-In — track your progress and stay on track with your goals
• New: Readiness Score — see how ready you are to achieve your financial goal
• Improved: AI Advisor with smarter credit coaching
• Bug fixes and performance improvements

### 1.0 — 2026-06-18

No release notes.

## More apps by Christopher Swofford

- [ClearPass Passport](https://appshunter.io/ios/app/clearpass-passport/id6763152727)
- [Jamee](https://appshunter.io/ios/app/jamee/id6776183702)
- [ResumeFix AI](https://appshunter.io/ios/app/resumefix-ai/id6776187110)
- [PhysiqAI: AI Personal Trainer](https://appshunter.io/ios/app/physiqai-ai-personal-trainer/id6777447224)
- [GutCheck AI: Know Your Gut](https://appshunter.io/ios/app/gutcheck-ai-know-your-gut/id6777498249)
- [LawnSignal](https://appshunter.io/ios/app/lawnsignal/id6779000255)

All apps by Christopher Swofford: https://appshunter.io/developer/1895187257

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*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 2026-08-09.*