Credit Repair Builder - Credit

Credit turns credit repair into a plan you can follow: 12 steps in 4 phases, a log of your score, dispute letter templates and a tracker for every dispute you send. It is built around the US credit system: FICO scores, the three credit bureaus and US law (FCRA, FDCPA). THE PLAN - Phase 1, fix errors: get your free reports, check them for mistakes, send dispute letters - Phase 2, reduce utilization: pay cards down below 30%, ask for a limit increase the right way - Phase 3, build positive history: secured card, authorized user, autopay on every bill - Phase 4, maintain: stay under 10%, keep old accounts open, apply for new credit carefully Every step explains what to do and why, with space for your notes. Your next step waits on the home screen. FREE - Score log with a trend chart: enter the score you see in your bank or bureau app, with its source and a note - A goal score and your progress toward it - The first 3 steps of the plan - Credit education: what makes up a FICO score, score ranges, hard and soft inquiries, 6 common myths, the 7-year rule, rapid rescore, authorized users and credit builder loans CREDIT PRO - All 12 steps - Two letter templates to fill in and share: a credit bureau dispute letter and a debt validation letter for collection agencies - Dispute tracker: bureau, account, issue, date sent, a 30-day response deadline with a reminder, and the outcome - Utilization calculator: your cards' balances and limits, overall utilization and what to pay to reach 10% - AI Credit Coach powered by Grok: ask a question about credit repair and get a direct answer (30 questions a day) Credit does not connect to your bank or the credit bureaus and does not pull your report or score. It is a guide and organizer, not a credit repair company, and not legal or financial advice. Credit Pro is a monthly or yearly subscription that renews automatically. Cancel any time in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/