CreditCraft

CreditCraft is a mobile + web AI-assisted financial literacy app focused narrowly on credit: scores, reports, utilization, and debt payoff. Users connect accounts via a read-only aggregator (or manually input balances) and the app translates their situation into a simple weekly action plan: which card to pay, how much, and when to keep utilization low while avoiding late fees. It also explains credit report items in plain language and flags likely errors with a guided dispute checklist (not legal advice). The app includes scenario planning (“If I pay $200 extra, what happens in 3 months?”) and a “credit habits” tracker that nudges users before statement close dates. It’s realistic: it won’t promise instant score jumps, and it shows uncertainty ranges because credit scoring is opaque. Monetization is subscription plus optional one-time “credit review” report.