Credit Autopilot — Credit Education & Dispute Tools
Understand your score.
Take informed action.
Your credit score is a formula — and you can influence much of it yourself. Credit Autopilot tracks your score over time, helps you work the fastest lever (utilization), explains the five factors, and generates ready-to-mail dispute letters for genuine errors on any of the three bureaus. Start free in your browser; upgrade for ongoing guidance. No one can promise a specific score change, and you can dispute items yourself for free directly with the bureaus.
tracked & explained
dispute-ready
target we optimize to
free toolkit
What’s actually hurting your score right now
Your score is a formula. Every variable is visible — and most are fixable. Here’s how the math works against you. A higher score unlocks better rates — pair with Cash Flow Consulting to deploy the savings from your improved terms.
One missed payment tanks your score for 7 years. We catch and alert before it happens.
Above 30% on any card costs you points daily. We show you exactly which cards to pay and by how much.
We identify which accounts to keep open — and which actions to avoid that silently shorten your credit age.
Lenders want to see you managing multiple types. We identify gaps in your mix and show you how to close them.
Hard pulls cost 5–10 points each. We alert you before any lender does one — so you never get surprised.
Four steps. One destination.
Credit optimization is mostly consistency. You forget. The system doesn’t.
Soft pull only. Zero impact to your score. We pull all 3: Equifax, Experian, and TransUnion — then build your complete score picture.
Our system flags every negative item, error, outdated account, and utilization problem — ranked by score impact so the highest-yield fixes come first.
For items that appear inaccurate, we help you generate FCRA-compliant dispute letters that you review, sign, and send to the bureaus yourself. You can log and track each dispute in one place. (You can also dispute directly with the bureaus for free.)
Monthly reports show your score history, active disputes, bureau responses, and suggested next moves. Any score change depends on the bureaus and your own credit activity — not guaranteed.
What’s included by tier
Software, monitoring, and education tools at every tier. Every paid tier includes a dedicated action plan you execute yourself.
- 3-bureau monitoring (daily alerts)
- Score tracker with 12-month history
- Utilization alerts and coaching
- Inquiry monitoring and alerts
- Monthly score report
- A dedicated action plan you execute yourself (updated monthly)
- Dispute letter generation (up to 5/month — drafts emailed to you, currently human-assisted)
- Dispute tracking and follow-up
- Utilization payoff calculator
- Credit mix analysis and recommendations
- Everything in Optimize
- Unlimited dispute-letter drafts per month (you review, sign, and mail them yourself)
- Tradeline education session
- Rapid-rescore education (your lender submits any request)
- 1:1 monthly coaching call with a credit specialist (scheduled by email after signup)
- Priority dispute-letter drafting
No long-term contract. Cancel anytime. Score changes depend on the bureaus and your own credit activity and are not guaranteed.
Paid tiers are software, monitoring, and education tools only — we do not repair credit or dispute items on your behalf. You can dispute inaccurate items yourself for free with each bureau.
What’s your credit score costing you?
Your score determines the rate. The rate determines the payment. The payment determines how much you lose — every single month.
| Credit Score | Car Loan Rate | Mortgage Rate | Annual Extra Cost |
|---|---|---|---|
| 580–619 | 14.2% | 7.8% | ~$8,400/yr |
| 620–659 | 10.1% | 7.1% | ~$5,200/yr |
| 660–699 | 7.4% | 6.6% | ~$2,800/yr |
| 700–739 | 5.2% | 6.2% | ~$900/yr |
| 740+ | 3.8% | 5.8% | $0 penalty |
The rates above are illustrative industry ranges, not quotes. A higher score can mean meaningfully lower borrowing costs — but the actual rate you receive, and whether your score changes at all, depends on each lender and on the bureaus. Optimize is $88/mo ($1,056/yr); we can’t promise it will pay for itself.
Common questions
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Take charge of your
credit, on your terms.
Credit Autopilot handles the monitoring, dispute-letter prep, and coaching. You stay in control and approve every step. Results aren’t guaranteed.
No long-term contract. Cancel anytime. Score changes depend on the bureaus and your own credit activity and are not guaranteed.
Paid tiers are software, monitoring, and education tools only — we do not repair credit or dispute items on your behalf. You can dispute inaccurate items yourself for free with each bureau.