Credit Repair Builder - Credit
Repair, Dispute, Build Credit
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Repair your credit score with a proven 12-step plan, dispute letters, and an AI credit coach.
Your credit score determines your interest rates, rental approvals, and financial future. Most people don't know their score is fixable - they just need a plan.
Credit gives you a proven 12-step system to repair your score, dispute errors, reduce utilization, and build lasting positive history - with expert guidance at every step.
HOW IT WORKS:
Follow the same system credit professionals use, broken into 4 phases:
- Phase 1: Pull your reports, find errors, send dispute letters
- Phase 2: Pay down utilization, request limit increases
- Phase 3: Secured cards, authorized user strategy, autopay
- Phase 4: Maintain under 10%, don't close old accounts, grow
FREE FEATURES:
- Full credit score tracker (log your progress, chart growth)
- 12-step credit repair plan (first 3 steps fully unlocked)
- Credit education: FICO factors, 6 myth-busting facts, proven strategies
CREDIT PRO:
- Complete 12-step plan with all 4 phases unlocked
- Dispute letter templates (FCRA-compliant, certified mail ready)
- Dispute tracker with 30-day deadline alerts
- Credit utilization calculator
- AI Credit Coach powered by Grok (30 queries/day)
CREDIT EDUCATION:
Learn the exact FICO factors behind your score. Understand payment history (35%), utilization (30%), account age (15%), and more. Destroy 6 common myths. Master proven strategies - the 7-year rule, rapid rescore, authorized user tactics, and credit builder loans.
THE AI CREDIT COACH:
Ask anything about credit repair and get direct, expert-level answers. Not generic advice. Specific, actionable steps based on US credit law (FCRA, FDCPA).
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Karol Jaworski, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Karol Jaworski
- Size
- 2.2 MB
- Category
- Finance
- Compatibility
Requires iOS 18 or later.
- iPhone
Requires iOS 18 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Credit Pro $39.99
- Credit Pro $39.99
- Credit Pro $4.99
- Copyright
- © 2026 Karol Jaworski