⚡ AI-Powered Credit Education Platform

Build Credit.
Build Wealth.

ScoreUp AI gives you a personalized credit building roadmap, DIY dispute letter templates, and a step-by-step business credit program — all powered by AI.

Start Free Trial → See How It Works
✅ 100% Legal & Compliant
✅ DIY Tools — You Stay in Control
✅ Personal + Business Credit
✅ No False Promises

ScoreUp AI is a financial education platform, not a credit repair organization.

The Problem

Credit confusion is costing you money.

Most people don't know where to start — or worse, they trust the wrong services.

💸

Bad credit costs you thousands every year

Higher interest rates on cars, homes, and credit cards add up fast. A low score is an expensive problem that compounds over time.

🔍

Most people don't know what's dragging their score down

Without understanding your report, you're flying blind. Errors, old collections, and high utilization are silently hurting you.

🏢

Business credit feels impossible without a roadmap

EINs, DUNS numbers, net-30 accounts — most entrepreneurs don't know where to start. ScoreUp AI walks you through every step.

What's Included

Everything you need to master credit.

Six powerful tools in one platform — no fluff, no gimmicks, just education and action.

🎯

AI Credit Roadmap

Personalized step-by-step plan based on your credit profile, scores, and goals. Know exactly what to do and when.

📝

DIY Dispute Letter Generator

Generate professional dispute letter templates to send to credit bureaus yourself — fully compliant with FCRA Section 611.

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Business Credit Builder

From EIN to net-30 accounts to business credit cards — a structured program for building a separate business credit profile.

📊

Credit Score Simulator

See how actions like paying down a card or disputing an error could affect your score — before you take them.

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Credit Academy

Bite-sized courses on credit scores, utilization, payment history, and more. Knowledge that actually translates to action.

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Action Alerts

"Do this now to maximize your score this month." Timely, personalized actions delivered when they matter most.

How It Works

Three steps to a better credit profile.

No complexity, no jargon. Just a clear path forward.

1

Enter Your Credit Profile

Tell us your approximate scores, what's on your report, and your goals. You self-report — we never pull your credit.

2

Get Your AI Roadmap

Our AI builds your personalized action plan — what to pay, dispute, open, and close — ranked by impact.

3

Execute and Watch It Climb

Follow your roadmap, generate dispute letters, build business credit. Track progress every step of the way.

Pricing

Simple, honest pricing.

7-day free trial on all plans. Cancel anytime.

Basic
$47/mo
✓ 7-day free trial included
  • AI Credit Roadmap
  • DIY Dispute Letter Generator
  • Credit Academy (all courses)
  • Action Alerts
  • Email support
Start Free Trial
⭐ Most Popular
Pro
$97/mo
✓ 7-day free trial included
  • Everything in Basic
  • Business Credit Builder program
  • Credit Score Simulator
  • Priority support
  • Advanced AI roadmap features
Start Free Trial

Real Members

People are taking control of their credit.

★★★★★

"I went from a 580 to a 720 in 8 months following my ScoreUp roadmap. Finally got approved for a mortgage."

— Marcus T., Atlanta GA
★★★★★

"The business credit builder walked me through every step. Got my first net-30 account in week 2."

— Donna K., Columbus OH
★★★★★

"Generated 6 dispute letters in 20 minutes and sent them myself. Two collections removed so far."

— Ray S., Phoenix AZ

* Individual results vary. ScoreUp AI provides education and tools — not credit repair services.

FAQ

Common questions, honest answers.

Yes. We provide education, tools, and templates. You send dispute letters yourself — we never act on your behalf or charge for promises. ScoreUp AI is not a credit repair organization under CROA.
No, and any service that does is lying to you. We give you the knowledge and tools — results depend on your credit profile, actions, and the bureaus' responses.
Personal credit uses your SSN and shows up on your personal credit reports. Business credit uses your EIN and is tracked separately by business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business — critical for investors and entrepreneurs.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute inaccurate items on your credit report. We generate a professional letter template — you review it, fill in your personal information, sign it, and mail it yourself via certified mail.
No. You self-report your approximate scores and what you know is on your report. We never pull your credit or require access to your full report. We recommend getting your free reports at AnnualCreditReport.com.