This is a free app that reads your credit across all three bureaus and tells you exactly what’s in it.
No card. Takes about two minutes.
Reads your credit reportUpload the report you already have. An AI reads all three bureaus and puts every score side by side — most people have only ever seen one.
Explains what’s on your fileEvery negative item in plain language, with the section of federal law that governs it. Not a number with no explanation.
Drafts the dispute lettersA complete letter for each item worth challenging, with blanks where your details go. You review them and mail them yourself. Nothing is sent on your behalf.
Then keeps goingEntity formation, a business credit profile separate from your personal file, and the tax and trust structure around it. In order, with your progress tracked.
You’re self-employed with income that arrives in waves. You run expenses across cards between launches. You’ve been told your whole career to build the business, and nobody ever told you the business has a financial file of its own — or that yours and its are tangled together.
You already understand this instinctively. You wouldn’t let a client train for a year without measuring anything.
Run your own first. Two minutes, and it’s the only reason this is worth forwarding to anybody. Nobody shares a tool they haven’t used. Everybody shares one that found something.
The people you coach are usually the same shape you are — earning well, no idea what’s on their file. It’s free, so handing it to them costs you nothing and it isn’t another program for them to buy.
The app is free. There’s an $8/month membership if you want to track your cards and get a text before a 0% rate ends. Everything above is in the free version.
Open the free appThen send it to one person who needs it.