CreditSpa

CreditSpa is a local-first credit organization and planning app for iPhone and iPad. Track cards, loans, utilization, payment due dates, disputes, freeze status, and credit-report documents without creating an account or sending your financial data to a backend. Built-in tools help you estimate utilization changes, compare debt payoff plans, organize dispute evidence, and prepare bureau-specific repair packets for Experian, Equifax, and TransUnion. CreditSpa does not promise score changes and does not submit disputes or payment data to credit bureaus unless future partner integrations are added and explicitly enabled by the user. Your data stays on your device by default. Optional local AI support is disabled in this MVP and is designed for future on-device models only.