Take Control of Your Credit Journey
Upload your credit report and get an instant, AI-powered journey across four dimensions — Repair, Building, Utilization, and Funding Readiness. Track progress every step of the way with accurate steps all the way to a correct profile and an 850 credit score.
How it works
Three simple steps to a clearer, healthier credit profile.
Upload your report
Securely upload your credit report (PDF or image). No paperwork, no office visits.
AI analyzes it
Our engine maps your full credit journey across four dimensions in seconds.
Track your progress
Re-upload anytime to watch your score, stage, and readiness improve over time.
Your credit, across four dimensions
Most tools give you a score. We give you a complete journey — with stage, progress, and action items for each pillar.
Credit Repair
Identify disputes, errors, and negatives — with clear action items to remove what's holding you back.
Credit Building
Build a stronger file with the right accounts and habits to grow your score sustainably.
Utilization
Optimize balances and limits to maximize the biggest lever on your score.
Funding Readiness
See how lender-ready you are and exactly what to fix before you apply for funding.
See your path to 850
Drag to your current score and watch your projected journey unfold.
Qualify for standard credit cards & auto loans
Unlock low interest rates & better terms
Top-tier funding, premium cards, best rates
Estimates based on an average of 15 points/month. Individual results vary.
For individuals
Take charge of your own credit.
- Unlimited re-analysis on Pro & Elite
- Plain-English action items
- Track score changes over time
- Cancel anytime
For companies
Manage clients and grow your book.
- Onboard clients at scale
- A dedicated dashboard for every client
- Track portfolio progress at a glance
- Admin access across all profiles
Members who took control of their credit
Real journeys from real clients — from denied to approved.
I went from denied to approved in 90 days. Kreative mapped every step and the disputes actually worked.
The bureau comparison caught an error two bureaus missed. My score jumped 64 points after one round.
Finally a plan that shows the path to 850. The funding readiness dimension got me my first business loan.
Simple, monthly pricing
Start where you are. Upgrade anytime as your journey grows.
Questions, answered
Ready to start your credit journey?
Join the clients and companies taking control of their credit with Kreative Technology.
Get started