# Cresla AI — AI credit insights & disputes > AI credit analyst for insights, disputes, and score improvement. (iPhone/iPad app by CRESLA AI INC.) - Source: https://appshunter.io/ios/app/cresla-ai/id6762935013 (this page in markdown: same URL + `.md`) - Developer: [CRESLA AI INC](https://appshunter.io/developer/1895084512) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 75 MB - Languages: American English - Released: 2026-05-07 - Data updated: 2026-08-21 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cresla-ai/id6762935013/reviews.md ## What is Cresla AI? Cresla AI is your personal credit analyst — powered by AI. Take a clearer look at your credit report. Cresla reads your full TransUnion, Equifax, and Experian data and turns it into plain-English insights you can act on. Spot collections, late payments, charge-offs, and inquiries that may be hurting your scores, and get personalized recommendations on what to focus on next. WHAT CRESLA DOES • Imports your credit report from supported providers and parses every account, balance, payment, and negative item • Highlights negative items by severity and bureau • Generates dispute letter templates you can review, edit, and send to the bureaus yourself • Tracks your goals — score targets, payoff plans, and which accounts to address first • Gives you a private AI chat that knows your full credit context, so you can ask "what's hurting me most?" or "what should I focus on first?" and get a real answer • Saves your full history so you can compare snapshots over time PRIVACY-FIRST BY DESIGN • Your credit data and security info are encrypted at rest with AES-256-GCM • HTTPS/TLS encryption in transit • Sign in with Apple supported • Face ID / Touch ID unlock available • You control your data — request deletion at any time from Settings WHO IT'S FOR Cresla AI is for anyone who wants to understand their credit before applying for a mortgage, car loan, business credit, or just for peace of mind. It's not a credit repair company, not a law firm, and not a financial advisor — it's a tool that helps you organize your credit data and draft dispute letters yourself. DISCLAIMER This app is an educational and organizational tool. It is not a Credit Repair Organization, law firm, or financial advisor. Individual results vary. Sending dispute letters does not guarantee removal of any item from your credit report. You are responsible for reviewing every letter before sending. Subscription required for advanced AI features and dispute templates. SUBSCRIPTION Cresla AI offers an optional in-app subscription to unlock unlimited AI chat and dispute letter generation: • Annual: $150/year • Monthly: $50/month Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID settings. The free tier lets you import a report and view negative items. Terms of Use (EULA): https://cresla.ai/terms Privacy Policy: https://cresla.ai/privacy ## Key features - AI-powered credit report analysis - Identifies negative credit items - Personalized improvement recommendations - Generates dispute letter templates - Private AI chat for credit questions - Tracks credit goals and history ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Cresla Pro Monthly | $49.99 | per month | | Cresla Pro Annual | $149.99 | per year | ## Chart rankings - #77 in Top Grossing · Finance (US App Store) ## Frequently asked questions about Cresla AI ### What credit bureaus does Cresla AI support? Cresla AI imports your credit report data from TransUnion, Equifax, and Experian. It then parses every account, balance, payment, and negative item to provide comprehensive insights. ### How does Cresla AI help with credit disputes? Cresla AI generates dispute letter templates that you can review, edit, and send directly to the credit bureaus. This feature is part of the subscription for advanced AI features and dispute templates. ### Is Cresla AI a credit repair service? No, Cresla AI is an educational and organizational tool. It is not a Credit Repair Organization, law firm, or financial advisor. It empowers you to manage your credit data and draft dispute letters yourself. ### What are the subscription options for Cresla AI? Cresla AI offers an optional in-app subscription for unlimited AI chat and dispute letter generation. Options include an annual subscription for $150/year or a monthly subscription for $50/month, both with a 3-day free trial. ### How secure is my credit data with Cresla AI? Cresla AI is designed with privacy first. Your credit data and security information are encrypted at rest with AES-256-GCM and use HTTPS/TLS encryption in transit. Face ID/Touch ID unlock is also supported. ### Can I use Cresla AI on multiple devices? Cresla AI is supported on iPhone, iPad, and iPod. You can manage or cancel your subscription at any time in your Apple ID settings. ### What features are available in the free tier of Cresla AI? The free tier of Cresla AI allows you to import your credit report and view negative items. Advanced AI chat and dispute letter generation require a subscription. ### How often is Cresla AI updated? The latest version of Cresla AI is 1.1.0, which was last updated on June 7, 2026. This indicates a recent update, suggesting ongoing development and support. ## Version history (last 5 releases) ### 1.2.3 — 2026-07-25 • Smoother subscription and paywall experience • More reliable purchases and restores • A cleaner first-launch experience • Performance and stability improvements ### 1.2.2 — 2026-07-22 • Community moderation tools and the official Cresla AI presence in the feed • Smoother sign-up: fixed a rare freeze on the tracking permission prompt • Credit report links now open cleanly in an in-app browser • Cleaner community welcome screen • Performance and stability improvements ### 1.2.1 — 2026-07-16 • New Community: share your wins, react, comment, and follow other members • Direct messages with push notifications — reach the Cresla team 24/7 • Voice Mode: cleaner layout, smoother experience, and easier credit report import • Profile photo tools: crop and position your photo perfectly • Faster everywhere: instant tab switching and smoother scrolling • Lots of fixes and performance improvements ### 1.2.0 — 2026-06-30 • Push notifications: get alerted on your phone for new direct messages, replies, comments, likes, reactions, and @mentions — with a unique sound for messages so you always know when someone DMs you. • @mentions: tag other members in Community posts and comments. • A faster, smoother Community, Messages, and Notifications experience — pages now load instantly. • Chat with Cresla Support right inside the app. • Bug fixes and performance improvements. ### 1.1.0 — 2026-06-07 • Faster, simpler onboarding to set up your plan • Optional notifications so you never miss an update • Start your free 3-day trial right after onboarding • Fixed "Sign in with Google" • Performance improvements and bug fixes ## Related topics [ai credit repair](https://appshunter.io/ios/topics/ai-credit-repair) --- *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 2026-08-21.*