Plans & Pricing
Start free with 300 daily credits. Upgrade anytime for more power, features, and concurrent tasks.
Starter / Plus
Good for moderate usage
~3,900 credits/month
Monthly allocation
- Full AI credit assistant
- Voice prompts recording
- Dispute letter generator
- Dispute tracker & 30-day deadlines
- FCRA knowledge base access
- Up to 2 concurrent tasks
- Email support
- Beta features
Pro
For heavy workloads & automation
~19,900 credits/month
Monthly allocation
- Full AI credit assistant
- All Starter features
- Voice prompts recording
- Advanced dispute automation
- 5+ concurrent tasks
- Priority access
- Beta features early access
- Priority support
Frequently Asked Questions
What are credits and how do they work?
Credits are used each time you interact with the AI assistant. Simple questions use fewer credits, while complex tasks like generating dispute letters use more. Free tier users get 300 credits refreshed daily.
Can I upgrade or downgrade at any time?
Yes! You can upgrade or downgrade your plan at any time. Changes take effect immediately, and we'll prorate any differences.
Is my financial data secure?
Yes. We use industry-standard encryption for data in transit and at rest, secure infrastructure with monitoring, and never sell or share your data with third parties.
What happens when I run out of credits?
Free tier credits refresh daily. Paid plan credits are monthly. If you run out, you can upgrade your plan or wait for the next refresh cycle.
How does the Team plan work?
The Team plan requires a minimum of 5 seats at $39/seat/month. All team members share a pooled credit allocation, and you get a management dashboard for oversight.
Who Is Premium For?
Free works great for occasional questions. Here's when upgrading makes sense:
Active Disputers
You're actively disputing items on your credit report and need to generate multiple dispute letters with proper legal citations.
Credit Rebuilders
You're working on improving your credit profile and want unlimited access to AI guidance, voice prompts, and educational resources.
Professionals & Teams
You're a credit counselor, financial coach, or business that needs shared access and team management tools.