💳 Smart Payment Calculator
Add your cards → Enter your budget → Get your optimized payment plan
Same $500 → Smarter distribution = +25 point boost
1
Enter Account Details
Manually enter balances, limits, and minimum payments to explore scenarios
💡 Manual entry: This is exploratory only. For accurate data, connect your credit report.
Account 1
$
$
$
Account 2
$
$
$
🚀 Boost Your Score by 40+ Points!
Add your rent payments to credit - no new card needed
Current Score
465
Potential Score
505
+40
24 months back reporting - instant credit history boost
No hard inquiry - won't hurt your score
Faster than credit cards - see results in 30-45 days
SmartCredit Build - $29.95/moSmartCredit Protect - $10.95/mo
Includes credit monitoring + NO setup fees
AI-Powered Credit Dispute System
Scan for negative items
AI Credit Coach
Get personalized advice based on your complete credit profile - 100% FREE
Your Score
465
Utilization
0.0%
Total Accounts
2
Quick Questions
Get instant answers to common credit questions
💯 This AI Coach is 100% FREE Forever
We make money when you use our recommended services (rent reporting, credit cards, monitoring) - but the advice is always unbiased and in your best interest.
- ✓ Be specific about your goals
- ✓ Ask about real scenarios
- ✓ Include timeframes
- ✓ Ask follow-up questions