Understand Your Credit.
Build Your Next Move.
AI-powered credit intelligence that turns your credit report into a personalized action plan.
CreditPath AI does not promise score increases or guarantee removal of accurate information.
Start in two steps
First, obtain your credit report. Once your report is ready, return here and upload it for your AI-powered credit analysis.
Step 1
Get your credit report
Obtain your three-bureau report from our recommended report provider.
Get My Credit ReportCredit reports are provided by an independent third-party service that is not owned or operated by CreditPath AI.
Step 2
Upload your credit report
Upload the file and get a plain-language review across Experian, Equifax and TransUnion.
Upload Credit ReportEverything you need to move forward
Built for consumers, coaches, and the organizations that support them.
AI Credit Analysis
Review accounts across all three bureaus and surface possible inconsistencies.
Personalized Action Plans
Prioritized steps with reasons, difficulty and target dates you can track.
Dispute Assistance
Draft consumer-directed letters you review and edit before anything is sent.
Credit Education
Plain-language explanations of what helps and what hurts your profile.
Homebuyer Readiness
Milestones for credit, savings, documentation and pre-approval preparation.
Funding Readiness
Understand what lenders typically look for before you apply for funding.
How it works
Upload or connect your credit report
AI reviews your credit profile
Review potential issues and opportunities
Build your personalized action plan
Track your progress
Consumer disclosures
CreditPath AI is an educational technology platform. It is not a credit bureau, lender, law firm, financial advisor, or credit scoring company.
Only dispute information you genuinely believe is inaccurate, incomplete, outdated, duplicated, or otherwise incorrectly reported. Accurate negative information generally cannot be removed simply because it affects your credit.
AI-generated information is educational and should be reviewed by you before any action is taken.