Credit Repair Builder - Credit
Karol Jaworski · Finance
Independent analytics for this App Store listing. AppTracker is not affiliated with Karol Jaworski.
Chart standing · US
What changed · US
Listing changes AppTracker has observed for this app in this storefront — new versions, price moves, rating shifts, and store copy.
Credit 1.3 • If you subscribe to Credit Pro, your tools are unlocked as soon as Credit opens, and a renewal or cancellation shows when you return to the app. • Restore Purchases now checks your Apple Account, so a subscription bought on another iPhone is found. • More precise time limits in Learn: collections and charge-offs can be reported for up to 7 years, counted from 180 days after you first fell behind. • The AI Credit Coach now sticks to what the FCRA, the FDCPA and the Credit Repair Organizations Act actually provide, and never promises results.
In-app purchases · US
What this app sells inside itself, grouped by kind and priced for this storefront.
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About
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/
What's new · 1.3
Credit 1.3 • If you subscribe to Credit Pro, your tools are unlocked as soon as Credit opens, and a renewal or cancellation shows when you return to the app. • Restore Purchases now checks your Apple Account, so a subscription bought on another iPhone is found. • More precise time limits in Learn: collections and charge-offs can be reported for up to 7 years, counted from 180 days after you first fell behind. • The AI Credit Coach now sticks to what the FCRA, the FDCPA and the Credit Repair Organizations Act actually provide, and never promises results.
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