AI-Powered Credit Builder — Just $39

Your Credit Score Deserves
a Real Plan,
Not Another Subscription.

Stop paying $100+/mo for credit repair. Get a personalized, AI-generated 90-day action plan tailored to your exact situation — one payment, no calls, no monthly fees.

One-time payment of $39 — keep your plan forever

Step-by-step weekly actions built for your score range

Built on widely used credit education principles

Works for US & Canadian credit profiles

🔥 Just $39 — Get Your Plan

Start Your Credit Journey

Answer 6 quick questions to get your personalized plan.

What is your current credit score range?If you don't know your exact score, pick your best estimate. You can check for free with Credit Karma or Borrowell.

Number of open accounts?Credit cards, loans, lines of credit — anything active on your credit report.

Missed payments (last 12 months)?Any payments 30+ days late. This is one of the biggest factors in your score.

Your debts (excluding mortgage)List every debt except your mortgage — credit cards, loans, lines of credit. We'll use these to build a real payoff plan and to total your debt. Add up to 12 accounts.

Add one row per account — credit card, loan, or line of credit. Don't include your mortgage.

Account 1

Account name

Current balance

APR (%)

Min. payment

Credit limit (cards only — optional)

Leave blank for loans. Used to measure credit utilization.

Total debt (excluding mortgage)$0

Extra you can pay toward debt each month, above the minimumsAny amount beyond your minimum payments that you can put toward debt. Enter 0 if none right now.

What are you trying to accomplish?Your goal helps us tailor the plan. A home purchase requires different strategies.

Where do you live?Credit laws differ by country. We'll tailor your recommendations accordingly.

Your first name (optional)

Email address

CreditPath provides general educational information and self-help guidance only. It is not financial, legal, or credit-repair advice, and makes no guarantee of any specific credit-score outcome. Please consult a qualified professional for advice specific to your situation.

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Three Steps to a Better Score

No fluff, no monthly commitments — just a clear, actionable roadmap built for your specific financial situation.

Share Your Details

Tell us about your current credit score range, accounts, debt, and your financial goal. It takes about 2 minutes.

AI Creates Your Roadmap

Our AI analyzes your profile using established credit education principles and builds a 12-week action plan tailored to your score, debt, and country.

Follow & Improve

Get weekly action items, product recommendations, and milestone checklists. Access your plan anytime online or download as PDF.

Frequently Asked Questions

Everything you need to know about CreditPath AI.

How does CreditPath AI work?

You fill out a short form about your credit situation — score range, accounts, missed payments, debt, and goal. Our AI generates a personalized 90-day action plan with weekly steps. You pay once and get instant access.

Is this a subscription?

No. You pay a one-time fee of $39 and get your plan forever. No recurring charges, no automatic renewals.

How is this different from credit repair services?

Traditional credit repair costs $100+/month and involves disputing items on your behalf. CreditPath AI gives you a DIY roadmap — the same strategies professionals use — at 90% less cost.

Will this work if my credit is really bad?

The plan adapts to your situation. Whether you're below 580 or in the fair range, you'll get steps relevant to your score range, accounts, and goals. Individual results depend on your circumstances and follow-through.

Does this work for Canadian credit?

Yes! Select Canada in the form, and the AI tailors advice to Canadian credit scores, bureaus (Equifax Canada, TransUnion Canada), and products.

What will my plan actually include?

A personalized 90-day roadmap with weekly action items based on your inputs — covering payment history habits, credit utilization targets calculated from your actual balances and limits, and debt payoff sequencing. Everything is educational and self-directed: you stay in control of every step.

Is my information secure?

Absolutely. We use 256-bit SSL encryption. Your details are only used to generate your plan — we never share or sell your data.