CreditNudge

CreditNudge is a mobile + web AI-assisted credit improvement planner that turns a user’s real credit report into a prioritized, step-by-step checklist with expected impact ranges and timelines. It connects via credit bureau report import (or user-uploaded reports), then flags high-leverage issues: utilization spikes, missed payments, thin file, collections, and suspicious items. The app generates dispute letter templates, goodwill request drafts, and payoff/settlement trackers, plus calendar-based reminders to time utilization and payment dates. It also includes a “what-if” simulator that shows how paying down specific balances or opening/closing accounts could affect score factors (with clear uncertainty warnings). The product is brutally practical: it focuses on actions users can actually take, avoids magic-score promises, and explains tradeoffs like hard inquiries and average age impacts in plain language.